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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 | $71,375 | $69,444+2.8% | $92,985-23.2% | $87,485-18.4% |
| Participation rate | 44.8% | 63.3%-18.5pp | 69.5%-24.7pp | 68.9%-24.1pp |
| Annual return | 13.27% | 23.85%-10.6pp | 27.99%-14.7pp | 26.06%-12.8pp |
| Employer contribution / active EE | $988 | $1,917-48.4% | $2,662-62.9% | $2,596-61.9% |
| Participant deferral / active EE | $2,796 | $3,364-16.9% | $4,377-36.1% | $4,274-34.6% |
| Admin fee / account holder | $7,420 | $6,137+20.9% | $9,463-21.6% | $7,775-4.6% |