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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 | $78,243 | $77,677+0.7% | $109,173-28.3% | $79,391-1.4% |
| Participation rate | 42.9% | 67.8%-25.0pp | 75.9%-33.0pp | 70.7%-27.9pp |
| Annual return | 14.01% | 23.44%-9.4pp | 25.75%-11.7pp | 116.88%-102.9pp |
| Employer contribution / active EE | $1,415 | $2,798-49.4% | $3,723-62.0% | $2,428-41.7% |
| Participant deferral / active EE | $2,695 | $3,517-23.4% | $4,654-42.1% | $4,046-33.4% |
| Admin fee / account holder | $6,375 | $732+770.3% | $6,755-5.6% | $627+917.5% |