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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 | $90,041 | $106,524-15.5% | $152,301-40.9% | $87,485+2.9% |
| Participation rate | 67.6% | 75.8%-8.1pp | 82.4%-14.8pp | 68.9%-1.3pp |
| Annual return | 19.08% | 26.89%-7.8pp | 80.50%-61.4pp | 26.06%-7.0pp |
| Employer contribution / active EE | $2,056 | $3,371-39.0% | $4,624-55.5% | $2,596-20.8% |
| Participant deferral / active EE | $6,822 | $6,525+4.5% | $8,004-14.8% | $4,274+59.6% |
| Admin fee / account holder | $20,667 | $8,287+149.4% | $14,398+43.5% | $7,775+165.8% |