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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 | $83,669 | $124,425-32.8% | $112,040-25.3% | $137,256-39.0% |
| Participation rate | 60.0% | 79.3%-19.3pp | 76.5%-16.5pp | 80.0%-20.0pp |
| Annual return | 19.35% | 24.72%-5.4pp | 24.52%-5.2pp | 220.34%-201.0pp |
| Employer contribution / active EE | $2,967 | $3,411-13.0% | $2,954+0.4% | $4,156-28.6% |
| Participant deferral / active EE | $6,675 | $5,718+16.7% | $5,098+31.0% | $6,407+4.2% |
| Admin fee / account holder | $315 | $15,207-97.9% | $12,098-97.4% | $12,270-97.4% |