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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 | $89,905 | $215,361-58.3% | $171,082-47.4% | $273,970-67.2% |
| Participation rate | 69.2% | 82.0%-12.8pp | 76.7%-7.5pp | 83.0%-13.8pp |
| Annual return | 8.09% | 25.14%-17.0pp | 32.56%-24.5pp | 41.46%-33.4pp |
| Employer contribution / active EE | $2,096 | $4,967-57.8% | $4,002-47.6% | $4,869-57.0% |
| Participant deferral / active EE | $3,244 | $5,543-41.5% | $4,797-32.4% | $5,287-38.6% |
| Admin fee / account holder | $6,884 | $10,846-36.5% | $8,520-19.2% | $10,132-32.1% |