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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 | $100,912 | $192,829-47.7% | $142,516-29.2% | $139,466-27.6% |
| Participation rate | 62.5% | 81.4%-18.9pp | 76.8%-14.3pp | 80.3%-17.8pp |
| Annual return | 16.16% | 17.99%-1.8pp | 19.99%-3.8pp | 373.66%-357.5pp |
| Employer contribution / active EE | $3,836 | $5,808-34.0% | $4,849-20.9% | $4,754-19.3% |
| Participant deferral / active EE | $6,166 | $7,200-14.4% | $6,280-1.8% | $6,712-8.1% |
| Admin fee / account holder | $2,572 | $15,120-83.0% | $10,008-74.3% | $11,409-77.5% |