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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 | $73,972 | $37,446+97.5% | $77,552-4.6% | $79,856-7.4% |
| Participation rate | 63.2% | 41.5%+21.6pp | 54.2%+9.0pp | 69.6%-6.5pp |
| Annual return | 33.14% | 39.76%-6.6pp | 54.82%-21.7pp | 31.71%+1.4pp |
| Employer contribution / active EE | $510 | $637-19.9% | $987-48.3% | $2,471-79.3% |
| Participant deferral / active EE | $796 | $1,261-36.8% | $1,861-57.2% | $3,741-78.7% |
| Admin fee / account holder | $6,571 | $2,506+162.2% | $2,859+129.8% | $5,306+23.8% |