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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 | $98,705 | $123,478-20.1% | $216,567-54.4% | $94,015+5.0% |
| Participation rate | 68.8% | 75.1%-6.4pp | 81.6%-12.9pp | 70.8%-2.1pp |
| Annual return | 16.58% | 23.61%-7.0pp | 12.94%+3.6pp | 17.84%-1.3pp |
| Employer contribution / active EE | $3,090 | $3,136-1.5% | $5,216-40.8% | $2,790+10.8% |
| Participant deferral / active EE | $7,092 | $4,556+55.7% | $6,191+14.6% | $4,249+66.9% |
| Admin fee / account holder | $709 | $12,753-94.4% | $21,981-96.8% | $8,951-92.1% |