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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 | $40,601 | $54,541-25.6% | $78,778-48.5% | $70,126-42.1% |
| Participation rate | 64.0% | 60.8%+3.2pp | 69.2%-5.2pp | 69.5%-5.5pp |
| Annual return | 13.12% | 21.07%-8.0pp | 35.62%-22.5pp | 73.15%-60.0pp |
| Employer contribution / active EE | $198 | $1,089-81.8% | $1,986-90.0% | $2,343-91.5% |
| Participant deferral / active EE | $1,136 | $2,210-48.6% | $2,958-61.6% | $3,332-65.9% |
| Admin fee / account holder | $6,084 | $3,709+64.1% | $5,134+18.5% | $4,645+31.0% |