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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 | $94,293 | $73,787+27.8% | $98,716-4.5% | $82,448+14.4% |
| Participation rate | 54.9% | 61.4%-6.5pp | 69.3%-14.4pp | 68.1%-13.1pp |
| Annual return | 13.58% | 18.57%-5.0pp | 31.81%-18.2pp | 41.64%-28.1pp |
| Employer contribution / active EE | $1,690 | $1,511+11.8% | $2,279-25.8% | $2,551-33.7% |
| Participant deferral / active EE | $3,325 | $3,081+7.9% | $4,048-17.8% | $4,139-19.7% |
| Admin fee / account holder | $13,955 | $6,500+114.7% | $8,703+60.3% | $7,234+92.9% |