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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 | $126,661-19.5% | $113,397-10.1% | $138,895-26.6% |
| Participation rate | 66.7% | 79.4%-12.8pp | 76.5%-9.8pp | 79.9%-13.3pp |
| Annual return | 16.91% | 25.05%-8.1pp | 23.20%-6.3pp | 145.39%-128.5pp |
| Employer contribution / active EE | $2,425 | $3,456-29.8% | $2,977-18.6% | $4,194-42.2% |
| Participant deferral / active EE | $5,991 | $5,693+5.2% | $5,076+18.0% | $6,396-6.3% |
| Admin fee / account holder | $1,091 | $14,549-92.5% | $11,957-90.9% | $12,562-91.3% |