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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 | $71,197+4.1% | $93,669-20.9% | $80,925-8.5% |
| Participation rate | 55.6% | 60.4%-4.8pp | 68.7%-13.2pp | 67.7%-12.1pp |
| Annual return | 12.37% | 11.27%+1.1pp | 133.59%-121.2pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,984 | $1,565+26.8% | $2,424-18.2% | $2,756-28.0% |
| Participant deferral / active EE | $3,622 | $4,036-10.3% | $4,416-18.0% | $4,299-15.8% |
| Admin fee / account holder | $3,748 | $6,959-46.1% | $8,291-54.8% | $6,940-46.0% |