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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 | $76,532 | $49,896+53.4% | $80,627-5.1% | $75,173+1.8% |
| Participation rate | 60.0% | 55.3%+4.7pp | 67.0%-7.0pp | 67.2%-7.2pp |
| Annual return | 22.95% | 34.67%-11.7pp | 936.76%-913.8pp | 160.72%-137.8pp |
| Employer contribution / active EE | $2,098 | $1,699+23.5% | $2,723-22.9% | $2,671-21.4% |
| Participant deferral / active EE | $5,041 | $2,992+68.5% | $4,443+13.5% | $4,126+22.2% |
| Admin fee / account holder | $1,972 | $3,578-44.9% | $5,381-63.4% | $5,651-65.1% |