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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 | $132,081 | $138,393-4.6% | $184,256-28.3% | $80,959+63.1% |
| Participation rate | 66.7% | 83.9%-17.2pp | 86.8%-20.2pp | 67.7%-1.0pp |
| Annual return | 14.48% | 20.01%-5.5pp | 28.85%-14.4pp | 35.67%-21.2pp |
| Employer contribution / active EE | $3,774 | $4,847-22.1% | $6,427-41.3% | $2,757+36.9% |
| Participant deferral / active EE | $6,602 | $7,076-6.7% | $9,133-27.7% | $4,300+53.5% |
| Admin fee / account holder | $11,888 | $10,489+13.3% | $13,899-14.5% | $6,925+71.7% |