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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 | $83,954 | $81,476+3.0% | $102,383-18.0% | $80,925+3.7% |
| Participation rate | 59.3% | 66.8%-7.6pp | 74.5%-15.3pp | 67.7%-8.4pp |
| Annual return | 10.77% | 25.59%-14.8pp | 24.94%-14.2pp | 35.65%-24.9pp |
| Employer contribution / active EE | $1,569 | $3,105-49.5% | $3,870-59.5% | $2,756-43.1% |
| Participant deferral / active EE | $4,261 | $3,871+10.1% | $5,060-15.8% | $4,299-0.9% |
| Admin fee / account holder | $5,992 | $6,717-10.8% | $8,391-28.6% | $6,940-13.7% |