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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 | $73,702 | $72,269+2.0% | $101,271-27.2% | $79,852-7.7% |
| Participation rate | 46.4% | 68.5%-22.0pp | 75.8%-29.4pp | 69.6%-23.2pp |
| Annual return | 15.01% | 22.29%-7.3pp | 46.48%-31.5pp | 31.72%-16.7pp |
| Employer contribution / active EE | $1,744 | $2,692-35.2% | $3,660-52.3% | $2,471-29.4% |
| Participant deferral / active EE | $6,695 | $3,282+104.0% | $4,371+53.2% | $3,740+79.0% |
| Admin fee / account holder | $9,954 | $4,401+126.2% | $5,948+67.4% | $5,306+87.6% |