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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 | $86,319 | $88,370-2.3% | $112,977-23.6% | $79,856+8.1% |
| Participation rate | 66.7% | 76.8%-10.1pp | 82.6%-15.9pp | 69.6%-3.0pp |
| Annual return | 16.41% | 23.16%-6.7pp | 24.24%-7.8pp | 31.71%-15.3pp |
| Employer contribution / active EE | $8,080 | $3,398+137.8% | $4,255+89.9% | $2,471+227.0% |
| Participant deferral / active EE | $4,968 | $4,536+9.5% | $5,836-14.9% | $3,741+32.8% |
| Admin fee / account holder | $1,610 | $5,750-72.0% | $6,294-74.4% | $5,306-69.7% |