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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 | $72,358 | $71,230+1.6% | $93,727-22.8% | $80,959-10.6% |
| Participation rate | 50.6% | 60.4%-9.8pp | 68.7%-18.1pp | 67.7%-17.1pp |
| Annual return | 13.66% | 11.26%+2.4pp | 133.83%-120.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $868 | $1,565-44.6% | $2,421-64.2% | $2,757-68.5% |
| Participant deferral / active EE | $1,787 | $4,037-55.7% | $4,417-59.5% | $4,300-58.4% |
| Admin fee / account holder | $2,542 | $6,961-63.5% | $8,292-69.3% | $6,925-63.3% |