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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 | $126,661-33.9% | $113,397-26.2% | $138,895-39.8% |
| Participation rate | 60.0% | 79.4%-19.4pp | 76.5%-16.5pp | 79.9%-19.9pp |
| Annual return | 19.35% | 25.05%-5.7pp | 23.20%-3.9pp | 145.39%-126.0pp |
| Employer contribution / active EE | $2,967 | $3,456-14.2% | $2,977-0.4% | $4,194-29.3% |
| Participant deferral / active EE | $6,675 | $5,693+17.3% | $5,076+31.5% | $6,396+4.4% |
| Admin fee / account holder | $315 | $14,549-97.8% | $11,957-97.4% | $12,562-97.5% |