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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 | $67,020 | $65,395+2.5% | $182,540-63.3% | $72,975-8.2% |
| Participation rate | 44.2% | 65.4%-21.2pp | 78.0%-33.7pp | 69.5%-25.3pp |
| Annual return | 25.54% | 27.68%-2.1pp | 148.58%-123.0pp | 81.01%-55.5pp |
| Employer contribution / active EE | $1,147 | $1,911-40.0% | $4,076-71.9% | $2,440-53.0% |
| Participant deferral / active EE | $2,127 | $3,563-40.3% | $5,525-61.5% | $3,608-41.0% |
| Admin fee / account holder | $5,080 | $4,245+19.7% | $8,593-40.9% | $5,124-0.9% |