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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 | $59,233 | $65,027-8.9% | $90,970-34.9% | $79,852-25.8% |
| Participation rate | 67.5% | 61.6%+5.9pp | 69.0%-1.5pp | 69.6%-2.1pp |
| Annual return | 18.55% | 30.45%-11.9pp | 134.58%-116.0pp | 31.72%-13.2pp |
| Employer contribution / active EE | $1,321 | $1,247+5.9% | $2,122-37.7% | $2,471-46.5% |
| Participant deferral / active EE | $3,039 | $2,512+21.0% | $3,373-9.9% | $3,740-18.8% |
| Admin fee / account holder | $983 | $4,535-78.3% | $5,960-83.5% | $5,306-81.5% |