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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 | $64,308 | $49,025+31.2% | $87,502-26.5% | $62,881+2.3% |
| Participation rate | 64.0% | 64.9%-0.9pp | 73.8%-9.8pp | 69.3%-5.3pp |
| Annual return | 6.00% | 10.02%-4.0pp | 12.21%-6.2pp | 20.14%-14.1pp |
| Employer contribution / active EE | $445 | $1,372-67.5% | $2,550-82.5% | $2,281-80.5% |
| Participant deferral / active EE | $2,472 | $2,289+8.0% | $3,149-21.5% | $3,203-22.8% |
| Admin fee / account holder | $1,062 | $4,065-73.9% | $4,221-74.8% | $4,296-75.3% |