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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 | $83,604 | $106,749-21.7% | $145,433-42.5% | $82,448+1.4% |
| Participation rate | 63.2% | 75.6%-12.4pp | 82.1%-18.9pp | 68.1%-4.8pp |
| Annual return | 23.53% | 27.59%-4.1pp | 66.58%-43.0pp | 41.64%-18.1pp |
| Employer contribution / active EE | $914 | $3,444-73.5% | $4,554-79.9% | $2,551-64.2% |
| Participant deferral / active EE | $9,814 | $6,519+50.5% | $7,897+24.3% | $4,139+137.1% |
| Admin fee / account holder | $2,746 | $8,390-67.3% | $13,129-79.1% | $7,234-62.0% |