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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 | $60,883 | $96,956-37.2% | $69,779-12.7% | $273,972-77.8% |
| Participation rate | 69.2% | 77.1%-7.8pp | 71.8%-2.6pp | 83.0%-13.8pp |
| Annual return | 7.70% | 12.93%-5.2pp | 12.99%-5.3pp | 41.46%-33.8pp |
| Employer contribution / active EE | $2,715 | $3,316-18.1% | $2,338+16.1% | $4,869-44.2% |
| Participant deferral / active EE | $4,533 | $3,744+21.1% | $2,931+54.7% | $5,287-14.3% |
| Admin fee / account holder | $9,986 | $7,934+25.9% | $4,381+127.9% | $10,133-1.5% |