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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 | $97,550-1.1% | $120,344-19.9% | $87,485+10.2% |
| Participation rate | 66.1% | 72.8%-6.8pp | 76.7%-10.6pp | 68.9%-2.9pp |
| Annual return | 17.49% | 18.41%-0.9pp | 20.30%-2.8pp | 26.06%-8.6pp |
| Employer contribution / active EE | $2,283 | $2,291-0.4% | $3,020-24.4% | $2,596-12.1% |
| Participant deferral / active EE | $4,502 | $4,230+6.4% | $5,135-12.3% | $4,274+5.4% |
| Admin fee / account holder | $10,415 | $9,543+9.1% | $12,742-18.3% | $7,775+34.0% |