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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 | $106,366 | $112,729-5.6% | $98,716+7.7% | $137,256-22.5% |
| Participation rate | 61.5% | 74.2%-12.7pp | 69.3%-7.8pp | 80.0%-18.4pp |
| Annual return | 18.95% | 38.48%-19.5pp | 31.81%-12.9pp | 220.34%-201.4pp |
| Employer contribution / active EE | $1,849 | $2,725-32.2% | $2,279-18.8% | $4,156-55.5% |
| Participant deferral / active EE | $6,193 | $4,640+33.5% | $4,048+53.0% | $6,407-3.3% |
| Admin fee / account holder | $3,875 | $10,129-61.7% | $8,703-55.5% | $12,270-68.4% |