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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 | $112,755 | $75,541+49.3% | $152,093-25.9% | $82,637+36.4% |
| Participation rate | 58.5% | 66.5%-8.0pp | 77.8%-19.2pp | 68.1%-9.5pp |
| Annual return | 16.44% | 32.56%-16.1pp | 66.36%-49.9pp | 53.51%-37.1pp |
| Employer contribution / active EE | $975 | $2,622-62.8% | $4,175-76.6% | $2,552-61.8% |
| Participant deferral / active EE | $2,892 | $3,206-9.8% | $5,451-46.9% | $4,126-29.9% |
| Admin fee / account holder | $7,610 | $6,405+18.8% | $14,497-47.5% | $7,339+3.7% |