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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 | $113,963 | $123,155-7.5% | $108,753+4.8% | $155,188-26.6% |
| Participation rate | 66.7% | 75.6%-9.0pp | 71.1%-4.4pp | 80.8%-14.1pp |
| Annual return | 13.11% | 44.73%-31.6pp | 37.47%-24.4pp | 148.84%-135.7pp |
| Employer contribution / active EE | $447 | $2,811-84.1% | $2,427-81.6% | $4,248-89.5% |
| Participant deferral / active EE | $1,648 | $4,623-64.4% | $4,115-60.0% | $6,531-74.8% |
| Admin fee / account holder | $1,230 | $12,126-89.9% | $10,320-88.1% | $14,480-91.5% |