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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 | $79,068 | $81,504-3.0% | $102,437-22.8% | $80,959-2.3% |
| Participation rate | 51.1% | 66.9%-15.7pp | 74.5%-23.4pp | 67.7%-16.6pp |
| Annual return | 30.12% | 25.60%+4.5pp | 24.95%+5.2pp | 35.67%-5.5pp |
| Employer contribution / active EE | $2,988 | $3,104-3.7% | $3,871-22.8% | $2,757+8.4% |
| Participant deferral / active EE | $8,102 | $3,871+109.3% | $5,060+60.1% | $4,300+88.4% |
| Admin fee / account holder | $3,380 | $6,719-49.7% | $8,388-59.7% | $6,925-51.2% |