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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 | $68,695 | $67,602+1.6% | $82,312-16.5% | $70,126-2.0% |
| Participation rate | 38.8% | 72.8%-34.0pp | 76.9%-38.1pp | 69.5%-30.8pp |
| Annual return | 25.93% | 21.57%+4.4pp | 25.88%0pp | 73.15%-47.2pp |
| Employer contribution / active EE | $1,041 | $1,755-40.7% | $2,428-57.1% | $2,343-55.6% |
| Participant deferral / active EE | $1,959 | $2,987-34.4% | $3,706-47.2% | $3,332-41.2% |
| Admin fee / account holder | $11,382 | $4,512+152.3% | $5,608+103.0% | $4,645+145.0% |