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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 | $73,854 | $81,276-9.1% | $155,574-52.5% | $80,925-8.7% |
| Participation rate | 61.7% | 66.2%-4.5pp | 78.2%-16.5pp | 67.7%-5.9pp |
| Annual return | 13.19% | 33.36%-20.2pp | 64.87%-51.7pp | 35.65%-22.5pp |
| Employer contribution / active EE | $1,901 | $3,103-38.7% | $4,676-59.3% | $2,756-31.0% |
| Participant deferral / active EE | $3,984 | $3,453+15.4% | $5,629-29.2% | $4,299-7.3% |
| Admin fee / account holder | $9,856 | $7,993+23.3% | $15,914-38.1% | $6,940+42.0% |