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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 | $86,816 | $99,345-12.6% | $84,753+2.4% | $273,972-68.3% |
| Participation rate | 65.2% | 80.7%-15.5pp | 76.6%-11.4pp | 83.0%-17.8pp |
| Annual return | 7.75% | 22.93%-15.2pp | 22.78%-15.0pp | 41.46%-33.7pp |
| Employer contribution / active EE | $2,370 | $4,214-43.7% | $3,574-33.7% | $4,869-51.3% |
| Participant deferral / active EE | $4,053 | $4,270-5.1% | $3,712+9.2% | $5,287-23.4% |
| Admin fee / account holder | $991 | $6,645-85.1% | $5,333-81.4% | $10,133-90.2% |