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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 | $61,423 | $72,486-15.3% | $87,103-29.5% | $72,976-15.8% |
| Participation rate | 57.6% | 72.8%-15.2pp | 76.9%-19.3pp | 69.5%-11.9pp |
| Annual return | 23.97% | 24.46%-0.5pp | 28.19%-4.2pp | 81.02%-57.0pp |
| Employer contribution / active EE | $564 | $1,894-70.2% | $2,521-77.6% | $2,440-76.9% |
| Participant deferral / active EE | $3,176 | $3,270-2.9% | $4,049-21.6% | $3,608-12.0% |
| Admin fee / account holder | $6,237 | $5,055+23.4% | $7,491-16.7% | $5,124+21.7% |