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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 | $74,086 | $71,230+4.0% | $93,727-21.0% | $80,959-8.5% |
| Participation rate | 55.6% | 60.4%-4.8pp | 68.7%-13.2pp | 67.7%-12.1pp |
| Annual return | 12.37% | 11.26%+1.1pp | 133.83%-121.5pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,984 | $1,565+26.7% | $2,421-18.1% | $2,757-28.1% |
| Participant deferral / active EE | $3,622 | $4,037-10.3% | $4,417-18.0% | $4,300-15.8% |
| Admin fee / account holder | $3,748 | $6,961-46.2% | $8,292-54.8% | $6,925-45.9% |