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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 | $98,981 | $72,272+37.0% | $101,264-2.3% | $79,858+23.9% |
| Participation rate | 66.7% | 68.5%-1.8pp | 75.8%-9.1pp | 69.6%-3.0pp |
| Annual return | 16.11% | 22.30%-6.2pp | 46.48%-30.4pp | 31.72%-15.6pp |
| Employer contribution / active EE | $2,117 | $2,692-21.4% | $3,660-42.2% | $2,471-14.3% |
| Participant deferral / active EE | $5,389 | $3,282+64.2% | $4,370+23.3% | $3,740+44.1% |
| Admin fee / account holder | $2,047 | $4,401-53.5% | $5,947-65.6% | $5,306-61.4% |