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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 | $81,859 | $101,798-19.6% | $165,071-50.4% | $80,935+1.1% |
| Participation rate | 65.5% | 71.8%-6.4pp | 78.6%-13.2pp | 67.7%-2.2pp |
| Annual return | 12.74% | 16.73%-4.0pp | 70.17%-57.4pp | 35.66%-22.9pp |
| Employer contribution / active EE | $3,713 | $2,954+25.7% | $4,347-14.6% | $2,757+34.7% |
| Participant deferral / active EE | $7,869 | $4,476+75.8% | $6,035+30.4% | $4,299+83.0% |
| Admin fee / account holder | $6,932 | $8,221-15.7% | $12,695-45.4% | $6,924+0.1% |