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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 | $73,465 | $95,453-23.0% | $112,040-34.4% | $82,448-10.9% |
| Participation rate | 69.4% | 72.8%-3.3pp | 76.5%-7.0pp | 68.1%+1.4pp |
| Annual return | 17.68% | 23.92%-6.2pp | 24.52%-6.8pp | 41.64%-24.0pp |
| Employer contribution / active EE | $3,725 | $2,318+60.7% | $2,954+26.1% | $2,551+46.0% |
| Participant deferral / active EE | $5,926 | $4,224+40.3% | $5,098+16.3% | $4,139+43.2% |
| Admin fee / account holder | $470 | $9,013-94.8% | $12,098-96.1% | $7,234-93.5% |