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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 | $114,712-14.0% | $173,730-43.2% | $87,485+12.8% |
| Participation rate | 68.8% | 73.0%-4.2pp | 79.6%-10.8pp | 68.9%-0.2pp |
| Annual return | 16.58% | 20.18%-3.6pp | 19.96%-3.4pp | 26.06%-9.5pp |
| Employer contribution / active EE | $3,090 | $2,904+6.4% | $4,577-32.5% | $2,596+19.0% |
| Participant deferral / active EE | $7,092 | $4,642+52.8% | $6,326+12.1% | $4,274+65.9% |
| Admin fee / account holder | $709 | $10,210-93.1% | $17,523-96.0% | $7,775-90.9% |