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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 | $88,524 | $81,504+8.6% | $102,437-13.6% | $80,959+9.3% |
| Participation rate | 59.4% | 66.9%-7.4pp | 74.5%-15.1pp | 67.7%-8.2pp |
| Annual return | 15.51% | 25.60%-10.1pp | 24.95%-9.4pp | 35.67%-20.2pp |
| Employer contribution / active EE | $2,493 | $3,104-19.7% | $3,871-35.6% | $2,757-9.6% |
| Participant deferral / active EE | $5,760 | $3,871+48.8% | $5,060+13.8% | $4,300+33.9% |
| Admin fee / account holder | $1,520 | $6,719-77.4% | $8,388-81.9% | $6,925-78.0% |