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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 | $108,825-9.3% | $156,181-36.8% | $82,448+19.7% |
| Participation rate | 68.8% | 72.4%-3.6pp | 78.8%-10.1pp | 68.1%+0.7pp |
| Annual return | 16.58% | 20.59%-4.0pp | 64.87%-48.3pp | 41.64%-25.1pp |
| Employer contribution / active EE | $3,090 | $2,870+7.7% | $4,294-28.0% | $2,551+21.1% |
| Participant deferral / active EE | $7,092 | $4,577+54.9% | $6,132+15.7% | $4,139+71.3% |
| Admin fee / account holder | $709 | $9,341-92.4% | $14,586-95.1% | $7,234-90.2% |