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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 | $67,930 | $77,817-12.7% | $123,553-45.0% | $64,173+5.9% |
| Participation rate | 62.3% | 74.7%-12.4pp | 82.3%-20.0pp | 69.6%-7.3pp |
| Annual return | 7.32% | 12.49%-5.2pp | 119.21%-111.9pp | 7.63%-0.3pp |
| Employer contribution / active EE | $1,601 | $3,014-46.9% | $4,628-65.4% | $2,381-32.7% |
| Participant deferral / active EE | $5,931 | $5,240+13.2% | $6,426-7.7% | $3,470+70.9% |
| Admin fee / account holder | $12,190 | $5,519+120.9% | $9,284+31.3% | $4,887+149.4% |