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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 | $120,954 | $72,471+66.9% | $94,215+28.4% | $86,983+39.1% |
| Participation rate | 60.6% | 63.9%-3.2pp | 70.0%-9.3pp | 69.5%-8.9pp |
| Annual return | 13.18% | 26.44%-13.3pp | 28.22%-15.0pp | 25.83%-12.6pp |
| Employer contribution / active EE | $620 | $1,936-68.0% | $2,675-76.8% | $2,584-76.0% |
| Participant deferral / active EE | $2,866 | $3,397-15.6% | $4,276-33.0% | $4,194-31.7% |
| Admin fee / account holder | $9,969 | $6,468+54.1% | $10,216-2.4% | $7,856+26.9% |