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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 | $100,194-0.2% | $122,979-18.7% | $86,983+14.9% |
| Participation rate | 64.3% | 73.0%-8.7pp | 77.2%-12.9pp | 69.5%-5.3pp |
| Annual return | 15.08% | 16.47%-1.4pp | 20.12%-5.0pp | 25.83%-10.7pp |
| Employer contribution / active EE | $2,280 | $2,326-2.0% | $3,062-25.6% | $2,584-11.8% |
| Participant deferral / active EE | $6,146 | $4,133+48.7% | $5,003+22.8% | $4,194+46.5% |
| Admin fee / account holder | $9,110 | $10,148-10.2% | $12,864-29.2% | $7,856+16.0% |