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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 | $96,366 | $92,798+3.8% | $96,707-0.4% | $137,256-29.8% |
| Participation rate | 69.6% | 81.6%-12.1pp | 80.4%-10.8pp | 80.0%-10.4pp |
| Annual return | 42.52% | 31.24%+11.3pp | 34.78%+7.7pp | 220.34%-177.8pp |
| Employer contribution / active EE | $2,976 | $4,147-28.3% | $4,191-29.0% | $4,156-28.4% |
| Participant deferral / active EE | $6,147 | $5,877+4.6% | $5,997+2.5% | $6,407-4.1% |
| Admin fee / account holder | $1,705 | $7,946-78.5% | $7,503-77.3% | $12,270-86.1% |