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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 | $75,807 | $72,273+4.9% | $101,275-25.1% | $79,856-5.1% |
| Participation rate | 62.5% | 68.5%-6.0pp | 75.8%-13.3pp | 69.6%-7.1pp |
| Annual return | 21.41% | 22.30%-0.9pp | 46.48%-25.1pp | 31.71%-10.3pp |
| Employer contribution / active EE | $940 | $2,691-65.1% | $3,660-74.3% | $2,471-62.0% |
| Participant deferral / active EE | $2,426 | $3,282-26.1% | $4,371-44.5% | $3,741-35.1% |
| Admin fee / account holder | $380 | $4,401-91.4% | $5,948-93.6% | $5,306-92.8% |