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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 | $94,380 | $56,134+68.1% | $96,171-1.9% | $85,847+9.9% |
| Participation rate | 57.9% | 56.7%+1.2pp | 68.4%-10.5pp | 69.3%-11.4pp |
| Annual return | 18.74% | 42.30%-23.6pp | 192.04%-173.3pp | 318.61%-299.9pp |
| Employer contribution / active EE | $2,092 | $1,620+29.1% | $2,799-25.3% | $2,565-18.5% |
| Participant deferral / active EE | $3,510 | $2,858+22.8% | $4,350-19.3% | $3,952-11.2% |
| Admin fee / account holder | $2,197 | $3,769-41.7% | $5,538-60.3% | $6,261-64.9% |