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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 | $68,767 | $51,207+34.3% | $70,565-2.5% | $75,177-8.5% |
| Participation rate | 56.0% | 61.0%-5.0pp | 68.4%-12.4pp | 67.2%-11.2pp |
| Annual return | 17.29% | 30.05%-12.8pp | 32.79%-15.5pp | 160.75%-143.5pp |
| Employer contribution / active EE | $1,066 | $1,826-41.7% | $2,976-64.2% | $2,671-60.1% |
| Participant deferral / active EE | $2,730 | $2,850-4.2% | $4,568-40.2% | $4,126-33.8% |
| Admin fee / account holder | $6,897 | $4,097+68.3% | $6,430+7.3% | $5,651+22.0% |