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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 | $103,685 | $115,225-10.0% | $100,712+3.0% | $138,895-25.3% |
| Participation rate | 64.7% | 74.3%-9.6pp | 69.3%-4.6pp | 79.9%-15.2pp |
| Annual return | 17.87% | 40.35%-22.5pp | 33.27%-15.4pp | 145.39%-127.5pp |
| Employer contribution / active EE | $1,827 | $2,771-34.1% | $2,313-21.0% | $4,194-56.4% |
| Participant deferral / active EE | $4,705 | $4,699+0.1% | $4,085+15.2% | $6,396-26.4% |
| Admin fee / account holder | $7,652 | $10,844-29.4% | $9,256-17.3% | $12,562-39.1% |