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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 | $79,358 | $83,485-4.9% | $125,192-36.6% | $72,975+8.7% |
| Participation rate | 64.3% | 73.3%-9.0pp | 79.8%-15.5pp | 69.5%-5.2pp |
| Annual return | 21.25% | 25.77%-4.5pp | 43.79%-22.5pp | 81.01%-59.8pp |
| Employer contribution / active EE | $1,508 | $2,346-35.7% | $3,866-61.0% | $2,440-38.2% |
| Participant deferral / active EE | $4,559 | $3,586+27.1% | $4,937-7.7% | $3,608+26.4% |
| Admin fee / account holder | $1,957 | $5,518-64.5% | $9,704-79.8% | $5,124-61.8% |