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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 | $138,312-39.5% | $122,979-32.0% | $155,188-46.1% |
| Participation rate | 60.0% | 80.2%-20.2pp | 77.2%-17.2pp | 80.8%-20.8pp |
| Annual return | 19.35% | 22.06%-2.7pp | 20.12%-0.8pp | 148.84%-129.5pp |
| Employer contribution / active EE | $2,967 | $3,530-16.0% | $3,062-3.1% | $4,248-30.2% |
| Participant deferral / active EE | $6,675 | $5,592+19.4% | $5,003+33.4% | $6,531+2.2% |
| Admin fee / account holder | $315 | $15,089-97.9% | $12,864-97.6% | $14,480-97.8% |