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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 | $58,912 | $78,423-24.9% | $95,964-38.6% | $79,856-26.2% |
| Participation rate | 69.7% | 73.5%-3.8pp | 77.1%-7.4pp | 69.6%+0.1pp |
| Annual return | 14.33% | 19.37%-5.0pp | 91.64%-77.3pp | 31.71%-17.4pp |
| Employer contribution / active EE | $1,456 | $1,945-25.2% | $2,541-42.7% | $2,471-41.1% |
| Participant deferral / active EE | $4,173 | $3,440+21.3% | $4,167+0.1% | $3,741+11.5% |
| Admin fee / account holder | $314 | $5,622-94.4% | $6,797-95.4% | $5,306-94.1% |