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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 | $87,678 | $86,949+0.8% | $102,460-14.4% | $80,959+8.3% |
| Participation rate | 64.8% | 72.4%-7.6pp | 76.5%-11.7pp | 67.7%-2.9pp |
| Annual return | 10.65% | 18.89%-8.2pp | 29.47%-18.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $2,135 | $2,370-9.9% | $3,025-29.4% | $2,757-22.6% |
| Participant deferral / active EE | $3,636 | $4,121-11.8% | $5,056-28.1% | $4,300-15.5% |
| Admin fee / account holder | $2,225 | $8,048-72.4% | $9,460-76.5% | $6,925-67.9% |