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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 | $67,839 | $62,166+9.1% | $81,286-16.5% | $74,429-8.9% |
| Participation rate | 44.2% | 64.1%-19.8pp | 69.5%-25.3pp | 67.2%-23.0pp |
| Annual return | 13.18% | 16.50%-3.3pp | 24.80%-11.6pp | 1368.38%-1355.2pp |
| Employer contribution / active EE | $1,272 | $1,881-32.4% | $2,463-48.3% | $2,625-51.5% |
| Participant deferral / active EE | $2,082 | $3,223-35.4% | $3,883-46.4% | $4,348-52.1% |
| Admin fee / account holder | $1,678 | $1,925-12.8% | $5,764-70.9% | $1,944-13.7% |