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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 | $82,173 | $106,524-22.9% | $152,301-46.0% | $87,485-6.1% |
| Participation rate | 59.3% | 75.8%-16.5pp | 82.4%-23.2pp | 68.9%-9.7pp |
| Annual return | 18.44% | 26.89%-8.5pp | 80.50%-62.1pp | 26.06%-7.6pp |
| Employer contribution / active EE | $2,786 | $3,371-17.4% | $4,624-39.8% | $2,596+7.3% |
| Participant deferral / active EE | $4,120 | $6,525-36.9% | $8,004-48.5% | $4,274-3.6% |
| Admin fee / account holder | $5,170 | $8,287-37.6% | $14,398-64.1% | $7,775-33.5% |