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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 | $65,910 | $59,804+10.2% | $81,982-19.6% | $79,856-17.5% |
| Participation rate | 42.3% | 61.6%-19.3pp | 69.3%-26.9pp | 69.6%-27.3pp |
| Annual return | 15.55% | 17.56%-2.0pp | 41.31%-25.8pp | 31.71%-16.2pp |
| Employer contribution / active EE | $553 | $1,713-67.7% | $2,498-77.9% | $2,471-77.6% |
| Participant deferral / active EE | $2,123 | $2,695-21.2% | $3,722-43.0% | $3,741-43.2% |
| Admin fee / account holder | $4,585 | $4,288+6.9% | $5,665-19.1% | $5,306-13.6% |