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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 | $64,688 | $72,492-10.8% | $87,104-25.7% | $72,975-11.4% |
| Participation rate | 62.1% | 72.8%-10.7pp | 76.9%-14.8pp | 69.5%-7.4pp |
| Annual return | 16.72% | 24.46%-7.7pp | 28.19%-11.5pp | 81.01%-64.3pp |
| Employer contribution / active EE | $742 | $1,894-60.8% | $2,521-70.6% | $2,440-69.6% |
| Participant deferral / active EE | $2,026 | $3,270-38.0% | $4,048-50.0% | $3,608-43.8% |
| Admin fee / account holder | $9,703 | $5,055+92.0% | $7,491+29.5% | $5,124+89.4% |