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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 | $90,273 | $77,492+16.5% | $100,398-10.1% | $80,911+11.6% |
| Participation rate | 61.9% | 76.9%-15.0pp | 81.5%-19.6pp | 67.6%-5.7pp |
| Annual return | 15.20% | 37.23%-22.0pp | 49.32%-34.1pp | 35.63%-20.4pp |
| Employer contribution / active EE | $2,742 | $2,800-2.1% | $3,946-30.5% | $2,756-0.5% |
| Participant deferral / active EE | $6,291 | $6,817-7.7% | $8,084-22.2% | $4,297+46.4% |
| Admin fee / account holder | $11,787 | $5,892+100.1% | $7,893+49.3% | $6,935+70.0% |