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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 | $85,068 | $106,749-20.3% | $145,433-41.5% | $82,448+3.2% |
| Participation rate | 69.2% | 75.6%-6.4pp | 82.1%-12.9pp | 68.1%+1.2pp |
| Annual return | 16.82% | 27.59%-10.8pp | 66.58%-49.8pp | 41.64%-24.8pp |
| Employer contribution / active EE | $2,676 | $3,444-22.3% | $4,554-41.2% | $2,551+4.9% |
| Participant deferral / active EE | $6,289 | $6,519-3.5% | $7,897-20.4% | $4,139+51.9% |
| Admin fee / account holder | $3,167 | $8,390-62.3% | $13,129-75.9% | $7,234-56.2% |