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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 | $83,056 | $112,729-26.3% | $98,716-15.9% | $137,256-39.5% |
| Participation rate | 66.7% | 74.2%-7.6pp | 69.3%-2.6pp | 80.0%-13.3pp |
| Annual return | 19.88% | 38.48%-18.6pp | 31.81%-11.9pp | 220.34%-200.5pp |
| Employer contribution / active EE | $8,039 | $2,725+195.0% | $2,279+252.8% | $4,156+93.4% |
| Participant deferral / active EE | $2,782 | $4,640-40.0% | $4,048-31.3% | $6,407-56.6% |
| Admin fee / account holder | $9,146 | $10,129-9.7% | $8,703+5.1% | $12,270-25.5% |