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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 | $102,294 | $81,476+25.6% | $102,383-0.1% | $80,925+26.4% |
| Participation rate | 60.0% | 66.8%-6.8pp | 74.5%-14.5pp | 67.7%-7.7pp |
| Annual return | 16.53% | 25.59%-9.1pp | 24.94%-8.4pp | 35.65%-19.1pp |
| Employer contribution / active EE | $3,249 | $3,105+4.6% | $3,870-16.1% | $2,756+17.9% |
| Participant deferral / active EE | $6,740 | $3,871+74.1% | $5,060+33.2% | $4,299+56.8% |
| Admin fee / account holder | $4,942 | $6,717-26.4% | $8,391-41.1% | $6,940-28.8% |