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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 | $87,871 | $81,358+8.0% | $155,556-43.5% | $80,959+8.5% |
| Participation rate | 51.5% | 66.3%-14.8pp | 78.2%-26.7pp | 67.7%-16.2pp |
| Annual return | 15.09% | 33.39%-18.3pp | 64.84%-49.7pp | 35.67%-20.6pp |
| Employer contribution / active EE | $2,981 | $3,106-4.0% | $4,675-36.2% | $2,757+8.1% |
| Participant deferral / active EE | $6,743 | $3,455+95.1% | $5,631+19.8% | $4,300+56.8% |
| Admin fee / account holder | $3,443 | $7,994-56.9% | $15,885-78.3% | $6,925-50.3% |