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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 | $99,341 | $88,672+12.0% | $105,223-5.6% | $82,448+20.5% |
| Participation rate | 69.2% | 67.9%+1.3pp | 75.0%-5.8pp | 68.1%+1.2pp |
| Annual return | 14.91% | 30.86%-15.9pp | 180.65%-165.7pp | 41.64%-26.7pp |
| Employer contribution / active EE | $18,828 | $3,048+517.7% | $3,689+410.4% | $2,551+638.1% |
| Participant deferral / active EE | $2,168 | $4,036-46.3% | $5,072-57.3% | $4,139-47.6% |
| Admin fee / account holder | $2,081 | $7,146-70.9% | $8,859-76.5% | $7,234-71.2% |