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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 | $67,893 | $161,352-57.9% | $134,172-49.4% | $137,256-50.5% |
| Participation rate | 60.9% | 78.3%-17.4pp | 72.5%-11.6pp | 80.0%-19.1pp |
| Annual return | 13.93% | 28.72%-14.8pp | 25.30%-11.4pp | 220.34%-206.4pp |
| Employer contribution / active EE | $2,339 | $4,099-42.9% | $3,420-31.6% | $4,156-43.7% |
| Participant deferral / active EE | $3,637 | $5,552-34.5% | $4,690-22.5% | $6,407-43.2% |
| Admin fee / account holder | $16,884 | $15,028+12.4% | $12,016+40.5% | $12,270+37.6% |