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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 | $134,888 | $146,267-7.8% | $197,124-31.6% | $82,448+63.6% |
| Participation rate | 63.6% | 84.0%-20.4pp | 86.7%-23.1pp | 68.1%-4.4pp |
| Annual return | 16.05% | 29.61%-13.6pp | 44.34%-28.3pp | 41.64%-25.6pp |
| Employer contribution / active EE | $3,486 | $4,723-26.2% | $6,227-44.0% | $2,551+36.6% |
| Participant deferral / active EE | $4,429 | $7,035-37.0% | $9,135-51.5% | $4,139+7.0% |
| Admin fee / account holder | $6,155 | $14,422-57.3% | $16,298-62.2% | $7,234-14.9% |