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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 | $79,226 | $101,798-22.2% | $165,071-52.0% | $80,935-2.1% |
| Participation rate | 67.9% | 71.8%-4.0pp | 78.6%-10.8pp | 67.7%+0.2pp |
| Annual return | 24.27% | 16.73%+7.5pp | 70.17%-45.9pp | 35.66%-11.4pp |
| Employer contribution / active EE | $3,227 | $2,954+9.2% | $4,347-25.8% | $2,757+17.1% |
| Participant deferral / active EE | $2,014 | $4,476-55.0% | $6,035-66.6% | $4,299-53.2% |
| Admin fee / account holder | $1,529 | $8,221-81.4% | $12,695-88.0% | $6,924-77.9% |