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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 | $161,322 | $181,896-11.3% | $156,551+3.0% | $273,972-41.1% |
| Participation rate | 68.2% | 88.4%-20.2pp | 84.0%-15.8pp | 83.0%-14.8pp |
| Annual return | 7.09% | 30.74%-23.7pp | 32.23%-25.1pp | 41.46%-34.4pp |
| Employer contribution / active EE | $3,970 | $6,248-36.5% | $5,501-27.8% | $4,869-18.5% |
| Participant deferral / active EE | $4,152 | $5,550-25.2% | $4,871-14.8% | $5,287-21.5% |
| Admin fee / account holder | $2,003 | $15,560-87.1% | $13,028-84.6% | $10,133-80.2% |