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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 | $71,353 | $63,456+12.4% | $100,712-29.2% | $64,097+11.3% |
| Participation rate | 52.6% | 49.7%+2.9pp | 69.3%-16.7pp | 55.2%-2.6pp |
| Annual return | 15.38% | 19.65%-4.3pp | 33.27%-17.9pp | 34.64%-19.3pp |
| Employer contribution / active EE | $410 | $1,003-59.1% | $2,313-82.3% | $1,891-78.3% |
| Participant deferral / active EE | $3,107 | $2,463+26.1% | $4,085-23.9% | $3,080+0.9% |
| Admin fee / account holder | $381 | $4,808-92.1% | $9,256-95.9% | $3,454-89.0% |