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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 | $80,646 | $76,564+5.3% | $105,582-23.6% | $94,015-14.2% |
| Participation rate | 63.3% | 65.2%-1.9pp | 71.8%-8.5pp | 70.8%-7.6pp |
| Annual return | 11.67% | 20.69%-9.0pp | 18.61%-6.9pp | 17.84%-6.2pp |
| Employer contribution / active EE | $2,020 | $1,995+1.2% | $2,984-32.3% | $2,790-27.6% |
| Participant deferral / active EE | $3,651 | $3,320+10.0% | $4,353-16.1% | $4,249-14.1% |
| Admin fee / account holder | $8,405 | $7,129+17.9% | $12,856-34.6% | $8,951-6.1% |