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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 | $70,083 | $58,523+19.8% | $99,479-29.5% | $72,976-4.0% |
| Participation rate | 53.6% | 64.6%-11.1pp | 73.8%-20.3pp | 69.5%-15.9pp |
| Annual return | 19.12% | 28.51%-9.4pp | 30.72%-11.6pp | 81.02%-61.9pp |
| Employer contribution / active EE | $552 | $1,512-63.5% | $2,540-78.3% | $2,440-77.4% |
| Participant deferral / active EE | $3,106 | $2,606+19.2% | $3,619-14.2% | $3,608-13.9% |
| Admin fee / account holder | $1,670 | $4,102-59.3% | $6,253-73.3% | $5,124-67.4% |