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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 | $82,471 | $65,575+25.8% | $86,209-4.3% | $75,181+9.7% |
| Participation rate | 59.2% | 60.5%-1.3pp | 69.0%-9.8pp | 67.2%-8.0pp |
| Annual return | 15.73% | 46.07%-30.3pp | 1169.05%-1153.3pp | 160.69%-145.0pp |
| Employer contribution / active EE | $1,740 | $1,553+12.0% | $2,381-26.9% | $2,671-34.8% |
| Participant deferral / active EE | $2,966 | $3,023-1.9% | $3,986-25.6% | $4,126-28.1% |
| Admin fee / account holder | $5,540 | $5,470+1.3% | $6,853-19.2% | $5,650-2.0% |