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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 | $71,386 | $78,690-9.3% | $161,489-55.8% | $87,485-18.4% |
| Participation rate | 45.2% | 67.5%-22.3pp | 78.7%-33.5pp | 68.9%-23.8pp |
| Annual return | 14.66% | 32.74%-18.1pp | 89.72%-75.1pp | 26.06%-11.4pp |
| Employer contribution / active EE | $371 | $2,588-85.7% | $4,268-91.3% | $2,596-85.7% |
| Participant deferral / active EE | $4,317 | $3,311+30.4% | $5,630-23.3% | $4,274+1.0% |
| Admin fee / account holder | $5,498 | $6,724-18.2% | $16,006-65.7% | $7,775-29.3% |