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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 | $70,003 | $93,598-25.2% | $135,974-48.5% | $75,173-6.9% |
| Participation rate | 69.2% | 75.2%-6.0pp | 81.9%-12.7pp | 67.2%+2.0pp |
| Annual return | 28.37% | 30.89%-2.5pp | 68.30%-39.9pp | 160.72%-132.3pp |
| Employer contribution / active EE | $2,619 | $3,538-26.0% | $4,859-46.1% | $2,671-1.9% |
| Participant deferral / active EE | $6,224 | $6,405-2.8% | $7,760-19.8% | $4,126+50.8% |
| Admin fee / account holder | $4,768 | $6,978-31.7% | $10,767-55.7% | $5,651-15.6% |