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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 | $60,181 | $72,607-17.1% | $90,259-33.3% | $87,485-31.2% |
| Participation rate | 68.0% | 64.8%+3.2pp | 70.7%-2.7pp | 68.9%-0.9pp |
| Annual return | 14.13% | 18.59%-4.5pp | 18.88%-4.7pp | 26.06%-11.9pp |
| Employer contribution / active EE | $717 | $1,919-62.7% | $2,291-68.7% | $2,596-72.4% |
| Participant deferral / active EE | $1,354 | $3,055-55.7% | $3,827-64.6% | $4,274-68.3% |
| Admin fee / account holder | $1,177 | $5,947-80.2% | $7,267-83.8% | $7,775-84.9% |