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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 | $61,619 | $59,839+3.0% | $81,988-24.8% | $79,858-22.8% |
| Participation rate | 36.1% | 61.6%-25.5pp | 69.3%-33.1pp | 69.6%-33.5pp |
| Annual return | 12.68% | 17.56%-4.9pp | 41.31%-28.6pp | 31.72%-19.0pp |
| Employer contribution / active EE | $608 | $1,713-64.5% | $2,498-75.7% | $2,471-75.4% |
| Participant deferral / active EE | $1,397 | $2,695-48.2% | $3,722-62.5% | $3,740-62.7% |
| Admin fee / account holder | $4,713 | $4,287+9.9% | $5,665-16.8% | $5,306-11.2% |