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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 | $72,529 | $78,428-7.5% | $95,960-24.4% | $79,852-9.2% |
| Participation rate | 61.5% | 73.5%-12.0pp | 77.1%-15.5pp | 69.6%-8.1pp |
| Annual return | 11.29% | 19.37%-8.1pp | 91.63%-80.3pp | 31.72%-20.4pp |
| Employer contribution / active EE | $629 | $1,945-67.7% | $2,541-75.2% | $2,471-74.5% |
| Participant deferral / active EE | $1,952 | $3,440-43.3% | $4,167-53.2% | $3,740-47.8% |
| Admin fee / account holder | $5,373 | $5,622-4.4% | $6,797-20.9% | $5,306+1.3% |