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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 | $129,997 | $104,098+24.9% | $140,514-7.5% | $94,015+38.3% |
| Participation rate | 69.2% | 73.7%-4.5pp | 77.8%-8.6pp | 70.8%-1.6pp |
| Annual return | 14.14% | 15.14%-1.0pp | 14.36%-0.2pp | 17.84%-3.7pp |
| Employer contribution / active EE | $1,772 | $2,388-25.8% | $3,378-47.5% | $2,790-36.5% |
| Participant deferral / active EE | $2,570 | $4,033-36.3% | $4,919-47.8% | $4,249-39.5% |
| Admin fee / account holder | $904 | $10,439-91.3% | $13,697-93.4% | $8,951-89.9% |