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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 | $70,753 | $63,703+11.1% | $93,063-24.0% | $82,448-14.2% |
| Participation rate | 62.7% | 63.8%-1.2pp | 72.1%-9.5pp | 68.1%-5.4pp |
| Annual return | 15.74% | -775.43%+791.2pp | 34.15%-18.4pp | 41.64%-25.9pp |
| Employer contribution / active EE | $2,007 | $1,729+16.1% | $2,476-19.0% | $2,551-21.3% |
| Participant deferral / active EE | $3,101 | $2,919+6.2% | $3,958-21.6% | $4,139-25.1% |
| Admin fee / account holder | $3,472 | $5,982-42.0% | $6,033-42.5% | $7,234-52.0% |