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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 | $88,343 | $101,795-13.2% | $165,100-46.5% | $80,959+9.1% |
| Participation rate | 67.3% | 71.8%-4.5pp | 78.6%-11.3pp | 67.7%-0.4pp |
| Annual return | 13.92% | 16.73%-2.8pp | 70.21%-56.3pp | 35.67%-21.8pp |
| Employer contribution / active EE | $4,718 | $2,954+59.7% | $4,348+8.5% | $2,757+71.1% |
| Participant deferral / active EE | $4,215 | $4,476-5.8% | $6,035-30.2% | $4,300-2.0% |
| Admin fee / account holder | $13,676 | $8,221+66.4% | $12,696+7.7% | $6,925+97.5% |