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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 | $108,809 | $112,729-3.5% | $98,716+10.2% | $137,256-20.7% |
| Participation rate | 68.4% | 74.2%-5.8pp | 69.3%-0.9pp | 80.0%-11.5pp |
| Annual return | 18.89% | 38.48%-19.6pp | 31.81%-12.9pp | 220.34%-201.5pp |
| Employer contribution / active EE | $2,983 | $2,725+9.5% | $2,279+30.9% | $4,156-28.2% |
| Participant deferral / active EE | $8,981 | $4,640+93.6% | $4,048+121.9% | $6,407+40.2% |
| Admin fee / account holder | $964 | $10,129-90.5% | $8,703-88.9% | $12,270-92.1% |