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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 | $103,445 | $95,404+8.4% | $113,397-8.8% | $82,637+25.2% |
| Participation rate | 65.5% | 72.8%-7.3pp | 76.5%-11.0pp | 68.1%-2.5pp |
| Annual return | 14.45% | 19.08%-4.6pp | 23.20%-8.8pp | 53.51%-39.1pp |
| Employer contribution / active EE | $1,542 | $2,307-33.1% | $2,977-48.2% | $2,552-39.6% |
| Participant deferral / active EE | $4,219 | $4,2200% | $5,076-16.9% | $4,126+2.3% |
| Admin fee / account holder | $6,551 | $9,168-28.6% | $11,957-45.2% | $7,339-10.7% |