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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 | $95,944 | $106,864-10.2% | $147,318-34.9% | $82,637+16.1% |
| Participation rate | 69.7% | 75.5%-5.8pp | 82.1%-12.4pp | 68.1%+1.6pp |
| Annual return | 15.48% | 27.49%-12.0pp | 70.43%-55.0pp | 53.51%-38.0pp |
| Employer contribution / active EE | $3,428 | $3,417+0.3% | $4,593-25.4% | $2,552+34.3% |
| Participant deferral / active EE | $9,843 | $6,496+51.5% | $7,906+24.5% | $4,126+138.5% |
| Admin fee / account holder | $2,396 | $8,415-71.5% | $13,708-82.5% | $7,339-67.4% |