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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 | $145,431-7.2% | $211,142-36.1% | $87,485+54.2% |
| Participation rate | 63.6% | 84.7%-21.1pp | 87.3%-23.7pp | 68.9%-5.3pp |
| Annual return | 16.05% | 27.21%-11.2pp | 46.84%-30.8pp | 26.06%-10.0pp |
| Employer contribution / active EE | $3,486 | $4,662-25.2% | $6,442-45.9% | $2,596+34.3% |
| Participant deferral / active EE | $4,429 | $6,859-35.4% | $9,284-52.3% | $4,274+3.6% |
| Admin fee / account holder | $6,155 | $17,052-63.9% | $19,076-67.7% | $7,775-20.8% |