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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 | $77,956 | $93,064-16.2% | $74,577+4.5% | $273,972-71.5% |
| Participation rate | 60.0% | 74.9%-14.9pp | 68.1%-8.1pp | 83.0%-23.0pp |
| Annual return | 15.36% | 26.18%-10.8pp | 20.47%-5.1pp | 41.46%-26.1pp |
| Employer contribution / active EE | $20,120 | $3,160+536.7% | $2,525+696.8% | $4,869+313.2% |
| Participant deferral / active EE | $10,592 | $4,160+154.6% | $3,458+206.3% | $5,287+100.3% |
| Admin fee / account holder | $3,741 | $5,273-29.1% | $4,138-9.6% | $10,133-63.1% |