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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 | $80,216 | $81,504-1.6% | $102,437-21.7% | $80,959-0.9% |
| Participation rate | 56.4% | 66.9%-10.4pp | 74.5%-18.1pp | 67.7%-11.3pp |
| Annual return | 13.82% | 25.60%-11.8pp | 24.95%-11.1pp | 35.67%-21.8pp |
| Employer contribution / active EE | $2,286 | $3,104-26.3% | $3,871-40.9% | $2,757-17.1% |
| Participant deferral / active EE | $5,714 | $3,871+47.6% | $5,060+12.9% | $4,300+32.9% |
| Admin fee / account holder | $7,418 | $6,719+10.4% | $8,388-11.6% | $6,925+7.1% |