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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 | $59,317 | $95,404-37.8% | $113,397-47.7% | $82,637-28.2% |
| Participation rate | 68.6% | 72.8%-4.2pp | 76.5%-7.9pp | 68.1%+0.5pp |
| Annual return | 12.81% | 19.08%-6.3pp | 23.20%-10.4pp | 53.51%-40.7pp |
| Employer contribution / active EE | $1,532 | $2,307-33.6% | $2,977-48.5% | $2,552-40.0% |
| Participant deferral / active EE | $3,069 | $4,220-27.3% | $5,076-39.5% | $4,126-25.6% |
| Admin fee / account holder | $9,672 | $9,168+5.5% | $11,957-19.1% | $7,339+31.8% |