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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,313 | $73,978-0.9% | $96,515-24.0% | $75,173-2.5% |
| Participation rate | 43.6% | 66.4%-22.8pp | 74.3%-30.7pp | 67.2%-23.6pp |
| Annual return | 23.26% | 26.72%-3.5pp | 35.73%-12.5pp | 160.72%-137.5pp |
| Employer contribution / active EE | $1,312 | $2,931-55.2% | $3,740-64.9% | $2,671-50.9% |
| Participant deferral / active EE | $3,706 | $3,660+1.2% | $4,880-24.1% | $4,126-10.2% |
| Admin fee / account holder | $11,219 | $5,219+115.0% | $6,735+66.6% | $5,651+98.5% |