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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 | $209,067 | $212,777-1.7% | $173,703+20.4% | $198,609+5.3% |
| Participation rate | 66.7% | 81.1%-14.4pp | 75.9%-9.2pp | 82.4%-15.7pp |
| Annual return | 10.72% | 18.82%-8.1pp | 17.46%-6.7pp | 202.70%-192.0pp |
| Employer contribution / active EE | $1,518 | $5,214-70.9% | $4,288-64.6% | $5,055-70.0% |
| Participant deferral / active EE | $2,788 | $5,697-51.1% | $4,854-42.6% | $6,977-60.0% |
| Admin fee / account holder | $5,719 | $19,536-70.7% | $15,562-63.2% | $19,030-69.9% |