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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 | $99,954 | $95,404+4.8% | $113,397-11.9% | $82,637+21.0% |
| Participation rate | 64.3% | 72.8%-8.5pp | 76.5%-12.2pp | 68.1%-3.8pp |
| Annual return | 15.08% | 19.08%-4.0pp | 23.20%-8.1pp | 53.51%-38.4pp |
| Employer contribution / active EE | $2,280 | $2,307-1.2% | $2,977-23.4% | $2,552-10.7% |
| Participant deferral / active EE | $6,146 | $4,220+45.6% | $5,076+21.1% | $4,126+48.9% |
| Admin fee / account holder | $9,110 | $9,168-0.6% | $11,957-23.8% | $7,339+24.1% |