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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 | $108,066 | $123,478-12.5% | $216,567-50.1% | $94,015+14.9% |
| Participation rate | 63.3% | 75.1%-11.8pp | 81.6%-18.3pp | 70.8%-7.5pp |
| Annual return | 23.21% | 23.61%-0.4pp | 12.94%+10.3pp | 17.84%+5.4pp |
| Employer contribution / active EE | $2,406 | $3,136-23.3% | $5,216-53.9% | $2,790-13.8% |
| Participant deferral / active EE | $2,649 | $4,556-41.9% | $6,191-57.2% | $4,249-37.7% |
| Admin fee / account holder | $4,657 | $12,753-63.5% | $21,981-78.8% | $8,951-48.0% |