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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 | $83,495 | $101,795-18.0% | $165,100-49.4% | $80,959+3.1% |
| Participation rate | 62.2% | 71.8%-9.6pp | 78.6%-16.4pp | 67.7%-5.4pp |
| Annual return | 11.88% | 16.73%-4.8pp | 70.21%-58.3pp | 35.67%-23.8pp |
| Employer contribution / active EE | $3,108 | $2,954+5.2% | $4,348-28.5% | $2,757+12.7% |
| Participant deferral / active EE | $3,724 | $4,476-16.8% | $6,035-38.3% | $4,300-13.4% |
| Admin fee / account holder | $13,074 | $8,221+59.0% | $12,696+3.0% | $6,925+88.8% |