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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 | $100,433 | $95,404+5.3% | $113,397-11.4% | $82,637+21.5% |
| Participation rate | 63.2% | 72.8%-9.7pp | 76.5%-13.3pp | 68.1%-4.9pp |
| Annual return | 14.17% | 19.08%-4.9pp | 23.20%-9.0pp | 53.51%-39.3pp |
| Employer contribution / active EE | $1,406 | $2,307-39.0% | $2,977-52.8% | $2,552-44.9% |
| Participant deferral / active EE | $4,226 | $4,220+0.1% | $5,076-16.8% | $4,126+2.4% |
| Admin fee / account holder | $704 | $9,168-92.3% | $11,957-94.1% | $7,339-90.4% |