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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 | $114,712-5.8% | $173,730-37.8% | $87,485+23.5% |
| Participation rate | 63.3% | 73.0%-9.7pp | 79.6%-16.2pp | 68.9%-5.6pp |
| Annual return | 23.21% | 20.18%+3.0pp | 19.96%+3.3pp | 26.06%-2.9pp |
| Employer contribution / active EE | $2,406 | $2,904-17.1% | $4,577-47.4% | $2,596-7.3% |
| Participant deferral / active EE | $2,649 | $4,642-42.9% | $6,326-58.1% | $4,274-38.0% |
| Admin fee / account holder | $4,657 | $10,210-54.4% | $17,523-73.4% | $7,775-40.1% |