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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 | $106,524-38.3% | $152,301-56.9% | $87,485-24.9% |
| Participation rate | 65.5% | 75.8%-10.2pp | 82.4%-16.9pp | 68.9%-3.4pp |
| Annual return | 16.63% | 26.89%-10.3pp | 80.50%-63.9pp | 26.06%-9.4pp |
| Employer contribution / active EE | $3,214 | $3,371-4.7% | $4,624-30.5% | $2,596+23.8% |
| Participant deferral / active EE | $8,230 | $6,525+26.1% | $8,004+2.8% | $4,274+92.6% |
| Admin fee / account holder | $13,573 | $8,287+63.8% | $14,398-5.7% | $7,775+74.6% |