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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 | $62,659 | $49,025+27.8% | $87,502-28.4% | $62,881-0.4% |
| Participation rate | 64.0% | 64.9%-0.9pp | 73.8%-9.8pp | 69.3%-5.3pp |
| Annual return | 7.39% | 10.02%-2.6pp | 12.21%-4.8pp | 20.14%-12.7pp |
| Employer contribution / active EE | $372 | $1,372-72.9% | $2,550-85.4% | $2,281-83.7% |
| Participant deferral / active EE | $2,787 | $2,289+21.7% | $3,149-11.5% | $3,203-13.0% |
| Admin fee / account holder | $1,917 | $4,065-52.8% | $4,221-54.6% | $4,296-55.4% |