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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 | $64,307 | $67,602-4.9% | $82,312-21.9% | $70,126-8.3% |
| Participation rate | 69.9% | 72.8%-2.9pp | 76.9%-7.0pp | 69.5%+0.3pp |
| Annual return | 14.32% | 21.57%-7.2pp | 25.88%-11.6pp | 73.15%-58.8pp |
| Employer contribution / active EE | $473 | $1,755-73.1% | $2,428-80.5% | $2,343-79.8% |
| Participant deferral / active EE | $2,270 | $2,987-24.0% | $3,706-38.8% | $3,332-31.9% |
| Admin fee / account holder | $1,354 | $4,512-70.0% | $5,608-75.9% | $4,645-70.9% |