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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 | $72,431 | $81,334-10.9% | $113,397-36.1% | $64,097+13.0% |
| Participation rate | 39.1% | 65.6%-26.5pp | 76.5%-37.4pp | 55.2%-16.1pp |
| Annual return | 13.95% | 32.50%-18.5pp | 23.20%-9.2pp | 34.64%-20.7pp |
| Employer contribution / active EE | $975 | $2,077-53.0% | $2,977-67.2% | $1,891-48.4% |
| Participant deferral / active EE | $2,221 | $3,795-41.5% | $5,076-56.3% | $3,080-27.9% |
| Admin fee / account holder | $6,054 | $4,208+43.9% | $11,957-49.4% | $3,454+75.3% |