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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 | $73,859 | $78,682-6.1% | $109,188-32.4% | $85,851-14.0% |
| Participation rate | 65.4% | 68.3%-2.9pp | 75.9%-10.5pp | 69.3%-3.9pp |
| Annual return | 14.01% | 25.09%-11.1pp | 25.76%-11.7pp | 318.63%-304.6pp |
| Employer contribution / active EE | $2,304 | $2,734-15.7% | $3,723-38.1% | $2,565-10.2% |
| Participant deferral / active EE | $6,969 | $3,468+101.0% | $4,654+49.7% | $3,952+76.3% |
| Admin fee / account holder | $6,784 | $5,470+24.0% | $6,755+0.4% | $6,261+8.4% |