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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 | $69,943 | $104,098-32.8% | $140,514-50.2% | $94,015-25.6% |
| Participation rate | 67.9% | 73.7%-5.9pp | 77.8%-9.9pp | 70.8%-3.0pp |
| Annual return | 12.98% | 15.14%-2.2pp | 14.36%-1.4pp | 17.84%-4.9pp |
| Employer contribution / active EE | $2,135 | $2,388-10.6% | $3,378-36.8% | $2,790-23.5% |
| Participant deferral / active EE | $2,647 | $4,033-34.4% | $4,919-46.2% | $4,249-37.7% |
| Admin fee / account holder | $14,659 | $10,439+40.4% | $13,697+7.0% | $8,951+63.8% |