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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 | $90,789 | $138,312-34.4% | $122,979-26.2% | $155,188-41.5% |
| Participation rate | 66.7% | 80.2%-13.5pp | 77.2%-10.5pp | 80.8%-14.1pp |
| Annual return | 16.66% | 22.06%-5.4pp | 20.12%-3.5pp | 148.84%-132.2pp |
| Employer contribution / active EE | $3,318 | $3,530-6.0% | $3,062+8.3% | $4,248-21.9% |
| Participant deferral / active EE | $6,329 | $5,592+13.2% | $5,003+26.5% | $6,531-3.1% |
| Admin fee / account holder | $1,014 | $15,089-93.3% | $12,864-92.1% | $14,480-93.0% |