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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 | $101,153 | $101,798-0.6% | $165,071-38.7% | $80,935+25.0% |
| Participation rate | 61.5% | 71.8%-10.3pp | 78.6%-17.1pp | 67.7%-6.1pp |
| Annual return | 19.86% | 16.73%+3.1pp | 70.17%-50.3pp | 35.66%-15.8pp |
| Employer contribution / active EE | $2,717 | $2,954-8.0% | $4,347-37.5% | $2,757-1.4% |
| Participant deferral / active EE | $5,510 | $4,476+23.1% | $6,035-8.7% | $4,299+28.2% |
| Admin fee / account holder | $13,880 | $8,221+68.8% | $12,695+9.3% | $6,924+100.4% |