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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 | $116,031 | $124,425-6.7% | $112,040+3.6% | $137,256-15.5% |
| Participation rate | 57.1% | 79.3%-22.2pp | 76.5%-19.3pp | 80.0%-22.8pp |
| Annual return | 17.98% | 24.72%-6.7pp | 24.52%-6.5pp | 220.34%-202.4pp |
| Employer contribution / active EE | $2,192 | $3,411-35.8% | $2,954-25.8% | $4,156-47.3% |
| Participant deferral / active EE | $9,584 | $5,718+67.6% | $5,098+88.0% | $6,407+49.6% |
| Admin fee / account holder | $438 | $15,207-97.1% | $12,098-96.4% | $12,270-96.4% |