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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 | $69,588 | $81,476-14.6% | $102,383-32.0% | $80,925-14.0% |
| Participation rate | 56.0% | 66.8%-10.8pp | 74.5%-18.5pp | 67.7%-11.7pp |
| Annual return | 11.83% | 25.59%-13.8pp | 24.94%-13.1pp | 35.65%-23.8pp |
| Employer contribution / active EE | $1,841 | $3,105-40.7% | $3,870-52.4% | $2,756-33.2% |
| Participant deferral / active EE | $4,108 | $3,871+6.1% | $5,060-18.8% | $4,299-4.4% |
| Admin fee / account holder | $13,473 | $6,717+100.6% | $8,391+60.6% | $6,940+94.1% |