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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 | $83,031 | $65,367+27.0% | $92,915-10.6% | $72,976+13.8% |
| Participation rate | 54.5% | 68.3%-13.8pp | 76.0%-21.5pp | 69.5%-14.9pp |
| Annual return | 71.94% | 42.11%+29.8pp | 109.45%-37.5pp | 81.02%-9.1pp |
| Employer contribution / active EE | $2,925 | $2,594+12.8% | $3,653-19.9% | $2,440+19.9% |
| Participant deferral / active EE | $1,720 | $3,128-45.0% | $4,238-59.4% | $3,608-52.3% |
| Admin fee / account holder | $4,348 | $4,251+2.3% | $5,796-25.0% | $5,124-15.1% |