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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 | $92,452 | $108,825-15.0% | $156,181-40.8% | $82,448+12.1% |
| Participation rate | 64.3% | 72.4%-8.1pp | 78.8%-14.5pp | 68.1%-3.8pp |
| Annual return | 12.81% | 20.59%-7.8pp | 64.87%-52.1pp | 41.64%-28.8pp |
| Employer contribution / active EE | $2,824 | $2,870-1.6% | $4,294-34.2% | $2,551+10.7% |
| Participant deferral / active EE | $3,783 | $4,577-17.3% | $6,132-38.3% | $4,139-8.6% |
| Admin fee / account holder | $3,441 | $9,341-63.2% | $14,586-76.4% | $7,234-52.4% |