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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 | $73,291 | $93,589-21.7% | $135,942-46.1% | $75,181-2.5% |
| Participation rate | 66.7% | 75.2%-8.5pp | 81.9%-15.2pp | 67.2%-0.5pp |
| Annual return | 17.53% | 30.90%-13.4pp | 68.28%-50.7pp | 160.69%-143.2pp |
| Employer contribution / active EE | $2,597 | $3,537-26.6% | $4,858-46.5% | $2,671-2.7% |
| Participant deferral / active EE | $7,423 | $6,405+15.9% | $7,759-4.3% | $4,126+79.9% |
| Admin fee / account holder | $1,981 | $6,977-71.6% | $10,764-81.6% | $5,650-64.9% |