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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 | $64,543 | $71,208-9.4% | $93,681-31.1% | $80,911-20.2% |
| Participation rate | 67.6% | 60.4%+7.3pp | 68.7%-1.1pp | 67.6%0pp |
| Annual return | 10.74% | 11.27%-0.5pp | 133.47%-122.7pp | 35.63%-24.9pp |
| Employer contribution / active EE | $1,121 | $1,564-28.4% | $2,422-53.7% | $2,756-59.3% |
| Participant deferral / active EE | $2,374 | $4,035-41.2% | $4,415-46.2% | $4,297-44.8% |
| Admin fee / account holder | $2,627 | $6,951-62.2% | $8,290-68.3% | $6,935-62.1% |