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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 | $89,583 | $90,400-0.9% | $186,193-51.9% | $87,485+2.4% |
| Participation rate | 57.4% | 66.2%-8.7pp | 77.1%-19.7pp | 68.9%-11.5pp |
| Annual return | 23.41% | 22.15%+1.3pp | 78.03%-54.6pp | 26.06%-2.6pp |
| Employer contribution / active EE | $2,366 | $2,170+9.0% | $3,918-39.6% | $2,596-8.9% |
| Participant deferral / active EE | $5,715 | $4,330+32.0% | $6,513-12.3% | $4,274+33.7% |
| Admin fee / account holder | $7,313 | $8,673-15.7% | $11,058-33.9% | $7,775-5.9% |