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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 | $101,962 | $138,312-26.3% | $122,979-17.1% | $155,188-34.3% |
| Participation rate | 66.7% | 80.2%-13.5pp | 77.2%-10.5pp | 80.8%-14.1pp |
| Annual return | 16.91% | 22.06%-5.2pp | 20.12%-3.2pp | 148.84%-131.9pp |
| Employer contribution / active EE | $2,425 | $3,530-31.3% | $3,062-20.8% | $4,248-42.9% |
| Participant deferral / active EE | $5,991 | $5,592+7.1% | $5,003+19.7% | $6,531-8.3% |
| Admin fee / account holder | $1,091 | $15,089-92.8% | $12,864-91.5% | $14,480-92.5% |