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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 | $83,033 | $92,798-10.5% | $96,707-14.1% | $137,256-39.5% |
| Participation rate | 62.5% | 81.6%-19.1pp | 80.4%-17.9pp | 80.0%-17.5pp |
| Annual return | 14.38% | 31.24%-16.9pp | 34.78%-20.4pp | 220.34%-206.0pp |
| Employer contribution / active EE | $2,136 | $4,147-48.5% | $4,191-49.0% | $4,156-48.6% |
| Participant deferral / active EE | $3,665 | $5,877-37.6% | $5,997-38.9% | $6,407-42.8% |
| Admin fee / account holder | $9,561 | $7,946+20.3% | $7,503+27.4% | $12,270-22.1% |