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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 | $59,658 | $93,598-36.3% | $135,974-56.1% | $75,173-20.6% |
| Participation rate | 69.8% | 75.2%-5.4pp | 81.9%-12.2pp | 67.2%+2.6pp |
| Annual return | 18.88% | 30.89%-12.0pp | 68.30%-49.4pp | 160.72%-141.8pp |
| Employer contribution / active EE | $2,241 | $3,538-36.6% | $4,859-53.9% | $2,671-16.1% |
| Participant deferral / active EE | $4,649 | $6,405-27.4% | $7,760-40.1% | $4,126+12.7% |
| Admin fee / account holder | $9,823 | $6,978+40.8% | $10,767-8.8% | $5,651+73.8% |