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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 | $97,364 | $199,109-51.1% | $173,730-44.0% | $154,746-37.1% |
| Participation rate | 63.6% | 82.8%-19.2pp | 79.6%-15.9pp | 80.7%-17.1pp |
| Annual return | 21.13% | 20.02%+1.1pp | 19.96%+1.2pp | 172.34%-151.2pp |
| Employer contribution / active EE | $4,106 | $5,311-22.7% | $4,577-10.3% | $4,379-6.2% |
| Participant deferral / active EE | $9,482 | $7,113+33.3% | $6,326+49.9% | $6,730+40.9% |
| Admin fee / account holder | $1,788 | $20,916-91.5% | $17,523-89.8% | $14,365-87.6% |