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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 | $127,496 | $199,109-36.0% | $173,730-26.6% | $154,746-17.6% |
| Participation rate | 68.8% | 82.8%-14.1pp | 79.6%-10.8pp | 80.7%-12.0pp |
| Annual return | 20.71% | 20.02%+0.7pp | 19.96%+0.8pp | 172.34%-151.6pp |
| Employer contribution / active EE | $2,508 | $5,311-52.8% | $4,577-45.2% | $4,379-42.7% |
| Participant deferral / active EE | $6,486 | $7,113-8.8% | $6,326+2.5% | $6,730-3.6% |
| Admin fee / account holder | $1,428 | $20,916-93.2% | $17,523-91.8% | $14,365-90.1% |