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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 | $64,337 | $63,773+0.9% | $81,286-20.9% | $80,925-20.5% |
| Participation rate | 47.2% | 63.9%-16.7pp | 69.5%-22.3pp | 67.7%-20.4pp |
| Annual return | 11.57% | 16.37%-4.8pp | 24.80%-13.2pp | 35.65%-24.1pp |
| Employer contribution / active EE | $1,034 | $1,979-47.8% | $2,463-58.0% | $2,756-62.5% |
| Participant deferral / active EE | $1,818 | $3,093-41.2% | $3,883-53.2% | $4,299-57.7% |
| Admin fee / account holder | $6,007 | $5,682+5.7% | $5,764+4.2% | $6,940-13.4% |