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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 | $90,231 | $101,795-11.4% | $165,100-45.3% | $80,959+11.5% |
| Participation rate | 64.9% | 71.8%-6.9pp | 78.6%-13.7pp | 67.7%-2.8pp |
| Annual return | 19.70% | 16.73%+3.0pp | 70.21%-50.5pp | 35.67%-16.0pp |
| Employer contribution / active EE | $1,834 | $2,954-37.9% | $4,348-57.8% | $2,757-33.5% |
| Participant deferral / active EE | $4,514 | $4,476+0.8% | $6,035-25.2% | $4,300+5.0% |
| Admin fee / account holder | $3,870 | $8,221-52.9% | $12,696-69.5% | $6,925-44.1% |