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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 | $74,088 | $70,418+5.2% | $96,570-23.3% | $85,847-13.7% |
| Participation rate | 65.4% | 61.8%+3.6pp | 69.8%-4.4pp | 69.3%-3.9pp |
| Annual return | 12.89% | 18.59%-5.7pp | 37.79%-24.9pp | 318.61%-305.7pp |
| Employer contribution / active EE | $997 | $1,413-29.5% | $2,357-57.7% | $2,565-61.1% |
| Participant deferral / active EE | $2,932 | $2,894+1.3% | $3,849-23.8% | $3,952-25.8% |
| Admin fee / account holder | $683 | $4,995-86.3% | $6,182-89.0% | $6,261-89.1% |