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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 | $103,874 | $89,370+16.2% | $141,197-26.4% | $72,976+42.3% |
| Participation rate | 64.5% | 75.1%-10.6pp | 82.5%-18.0pp | 69.5%-5.0pp |
| Annual return | 19.87% | 111.88%-92.0pp | 71.41%-51.5pp | 81.02%-61.1pp |
| Employer contribution / active EE | $4,873 | $3,115+56.5% | $4,736+2.9% | $2,440+99.7% |
| Participant deferral / active EE | $2,757 | $5,419-49.1% | $6,710-58.9% | $3,608-23.6% |
| Admin fee / account holder | $13,204 | $5,957+121.7% | $10,265+28.6% | $5,124+157.7% |