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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 | $77,369 | $37,446+106.6% | $77,513-0.2% | $79,852-3.1% |
| Participation rate | 40.8% | 41.5%-0.7pp | 54.2%-13.3pp | 69.6%-28.8pp |
| Annual return | 15.01% | 39.76%-24.7pp | 54.81%-39.8pp | 31.72%-16.7pp |
| Employer contribution / active EE | $685 | $637+7.5% | $987-30.6% | $2,471-72.3% |
| Participant deferral / active EE | $2,425 | $1,261+92.3% | $1,861+30.3% | $3,740-35.2% |
| Admin fee / account holder | $559 | $2,506-77.7% | $2,859-80.4% | $5,306-89.5% |