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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 | $115,931-6.8% | $185,441-41.7% | $86,983+24.2% |
| Participation rate | 63.3% | 73.6%-10.3pp | 80.3%-16.9pp | 69.5%-6.2pp |
| Annual return | 23.21% | 21.47%+1.7pp | 20.16%+3.0pp | 25.83%-2.6pp |
| Employer contribution / active EE | $2,406 | $2,937-18.1% | $4,672-48.5% | $2,584-6.9% |
| Participant deferral / active EE | $2,649 | $4,551-41.8% | $6,152-56.9% | $4,194-36.8% |
| Admin fee / account holder | $4,657 | $10,687-56.4% | $17,890-74.0% | $7,856-40.7% |