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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 | $67,851 | $61,605+10.1% | $112,273-39.6% | $75,181-9.7% |
| Participation rate | 51.1% | 61.7%-10.6pp | 72.4%-21.4pp | 67.2%-16.1pp |
| Annual return | 17.87% | 28.47%-10.6pp | 30.23%-12.4pp | 160.69%-142.8pp |
| Employer contribution / active EE | $1,356 | $2,015-32.7% | $3,431-60.5% | $2,671-49.2% |
| Participant deferral / active EE | $1,987 | $3,108-36.1% | $4,800-58.6% | $4,126-51.8% |
| Admin fee / account holder | $1,253 | $4,862-74.2% | $7,752-83.8% | $5,650-77.8% |