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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 | $72,269 | $69,590+3.9% | $136,867-47.2% | $94,015-23.1% |
| Participation rate | 60.7% | 66.3%-5.6pp | 74.5%-13.8pp | 70.8%-10.1pp |
| Annual return | 16.20% | 19.62%-3.4pp | 42.97%-26.8pp | 17.84%-1.6pp |
| Employer contribution / active EE | $3,037 | $2,396+26.7% | $3,547-14.4% | $2,790+8.8% |
| Participant deferral / active EE | $5,413 | $3,437+57.5% | $4,924+9.9% | $4,249+27.4% |
| Admin fee / account holder | $7,913 | $8,912-11.2% | $10,340-23.5% | $8,951-11.6% |