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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 | $96,429 | $95,453+1.0% | $112,040-13.9% | $82,448+17.0% |
| Participation rate | 66.1% | 72.8%-6.7pp | 76.5%-10.4pp | 68.1%-2.0pp |
| Annual return | 17.49% | 23.92%-6.4pp | 24.52%-7.0pp | 41.64%-24.2pp |
| Employer contribution / active EE | $2,283 | $2,318-1.5% | $2,954-22.7% | $2,551-10.5% |
| Participant deferral / active EE | $4,502 | $4,224+6.6% | $5,098-11.7% | $4,139+8.8% |
| Admin fee / account holder | $10,415 | $9,013+15.6% | $12,098-13.9% | $7,234+44.0% |