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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 | $80,271 | $126,661-36.6% | $113,397-29.2% | $138,895-42.2% |
| Participation rate | 66.7% | 79.4%-12.8pp | 76.5%-9.8pp | 79.9%-13.3pp |
| Annual return | 13.63% | 25.05%-11.4pp | 23.20%-9.6pp | 145.39%-131.8pp |
| Employer contribution / active EE | $3,003 | $3,456-13.1% | $2,977+0.9% | $4,194-28.4% |
| Participant deferral / active EE | $4,878 | $5,693-14.3% | $5,076-3.9% | $6,396-23.7% |
| Admin fee / account holder | $5,513 | $14,549-62.1% | $11,957-53.9% | $12,562-56.1% |