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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 | $136,860-38.9% | $120,344-30.5% | $154,746-45.9% |
| Participation rate | 60.0% | 79.9%-19.9pp | 76.7%-16.7pp | 80.7%-20.7pp |
| Annual return | 19.35% | 21.38%-2.0pp | 20.30%-1.0pp | 172.34%-153.0pp |
| Employer contribution / active EE | $2,967 | $3,533-16.0% | $3,020-1.8% | $4,379-32.3% |
| Participant deferral / active EE | $6,675 | $5,793+15.2% | $5,135+30.0% | $6,730-0.8% |
| Admin fee / account holder | $315 | $15,393-98.0% | $12,742-97.5% | $14,365-97.8% |