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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 | $113,569 | $124,425-8.7% | $112,040+1.4% | $137,256-17.3% |
| Participation rate | 68.2% | 79.3%-11.1pp | 76.5%-8.3pp | 80.0%-11.8pp |
| Annual return | 15.68% | 24.72%-9.0pp | 24.52%-8.8pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,253 | $3,411-34.0% | $2,954-23.7% | $4,156-45.8% |
| Participant deferral / active EE | $7,176 | $5,718+25.5% | $5,098+40.8% | $6,407+12.0% |
| Admin fee / account holder | $1,565 | $15,207-89.7% | $12,098-87.1% | $12,270-87.2% |