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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 | $100,497 | $107,733-6.7% | $92,985+8.1% | $154,746-35.1% |
| Participation rate | 62.5% | 74.6%-12.1pp | 69.5%-7.0pp | 80.7%-18.2pp |
| Annual return | 17.64% | 30.39%-12.8pp | 27.99%-10.4pp | 172.34%-154.7pp |
| Employer contribution / active EE | $2,016 | $3,126-35.5% | $2,662-24.3% | $4,379-54.0% |
| Participant deferral / active EE | $8,350 | $5,053+65.2% | $4,377+90.8% | $6,730+24.1% |
| Admin fee / account holder | $2,174 | $11,369-80.9% | $9,463-77.0% | $14,365-84.9% |