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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 | $101,866 | $108,825-6.4% | $156,181-34.8% | $82,448+23.6% |
| Participation rate | 65.9% | 72.4%-6.5pp | 78.8%-13.0pp | 68.1%-2.2pp |
| Annual return | 17.24% | 20.59%-3.4pp | 64.87%-47.6pp | 41.64%-24.4pp |
| Employer contribution / active EE | $3,603 | $2,870+25.5% | $4,294-16.1% | $2,551+41.2% |
| Participant deferral / active EE | $6,787 | $4,577+48.3% | $6,132+10.7% | $4,139+64.0% |
| Admin fee / account holder | $2,831 | $9,341-69.7% | $14,586-80.6% | $7,234-60.9% |