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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 | $94,530 | $97,550-3.1% | $120,344-21.5% | $87,485+8.1% |
| Participation rate | 59.7% | 72.8%-13.1pp | 76.7%-17.0pp | 68.9%-9.2pp |
| Annual return | 11.96% | 18.41%-6.5pp | 20.30%-8.3pp | 26.06%-14.1pp |
| Employer contribution / active EE | $1,997 | $2,291-12.8% | $3,020-33.9% | $2,596-23.1% |
| Participant deferral / active EE | $3,213 | $4,230-24.0% | $5,135-37.4% | $4,274-24.8% |
| Admin fee / account holder | $9,493 | $9,543-0.5% | $12,742-25.5% | $7,775+22.1% |