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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 | $80,650 | $88,707-9.1% | $74,184+8.7% | $273,972-70.6% |
| Participation rate | 66.7% | 79.4%-12.8pp | 76.6%-10.0pp | 83.0%-16.3pp |
| Annual return | 6.86% | 11.94%-5.1pp | 17.74%-10.9pp | 41.46%-34.6pp |
| Employer contribution / active EE | $5,467 | $3,159+73.0% | $2,370+130.7% | $4,869+12.3% |
| Participant deferral / active EE | $2,896 | $4,212-31.2% | $3,550-18.4% | $5,287-45.2% |
| Admin fee / account holder | $1,268 | $8,717-85.5% | $5,586-77.3% | $10,133-87.5% |