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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 | $106,864-20.4% | $147,318-42.3% | $82,637+2.9% |
| Participation rate | 69.2% | 75.5%-6.3pp | 82.1%-12.8pp | 68.1%+1.2pp |
| Annual return | 16.82% | 27.49%-10.7pp | 70.43%-53.6pp | 53.51%-36.7pp |
| Employer contribution / active EE | $2,676 | $3,417-21.7% | $4,593-41.7% | $2,552+4.9% |
| Participant deferral / active EE | $6,289 | $6,496-3.2% | $7,906-20.5% | $4,126+52.4% |
| Admin fee / account holder | $3,167 | $8,415-62.4% | $13,708-76.9% | $7,339-56.8% |