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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 | $136,860-15.2% | $120,344-3.6% | $154,746-25.0% |
| Participation rate | 57.1% | 79.9%-22.7pp | 76.7%-19.6pp | 80.7%-23.6pp |
| Annual return | 17.98% | 21.38%-3.4pp | 20.30%-2.3pp | 172.34%-154.4pp |
| Employer contribution / active EE | $2,192 | $3,533-38.0% | $3,020-27.4% | $4,379-50.0% |
| Participant deferral / active EE | $9,584 | $5,793+65.4% | $5,135+86.6% | $6,730+42.4% |
| Admin fee / account holder | $438 | $15,393-97.2% | $12,742-96.6% | $14,365-97.0% |