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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 | $65,709 | $107,421-38.8% | $182,262-63.9% | $94,015-30.1% |
| Participation rate | 65.5% | 77.8%-12.3pp | 84.2%-18.7pp | 70.8%-5.3pp |
| Annual return | 16.63% | 21.32%-4.7pp | 140.60%-124.0pp | 17.84%-1.2pp |
| Employer contribution / active EE | $3,214 | $3,448-6.8% | $5,046-36.3% | $2,790+15.2% |
| Participant deferral / active EE | $8,230 | $6,558+25.5% | $8,276-0.6% | $4,249+93.7% |
| Admin fee / account holder | $13,573 | $8,692+56.2% | $16,712-18.8% | $8,951+51.6% |