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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 | $81,356 | $77,638+4.8% | $156,551-48.0% | $62,881+29.4% |
| Participation rate | 61.2% | 71.2%-10.0pp | 84.0%-22.8pp | 69.3%-8.1pp |
| Annual return | 6.93% | 50.33%-43.4pp | 32.23%-25.3pp | 20.14%-13.2pp |
| Employer contribution / active EE | $598 | $3,444-82.6% | $5,501-89.1% | $2,281-73.8% |
| Participant deferral / active EE | $3,066 | $3,046+0.7% | $4,871-37.1% | $3,203-4.3% |
| Admin fee / account holder | $383 | $5,561-93.1% | $13,028-97.1% | $4,296-91.1% |