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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 | $91,874 | $48,053+91.2% | $84,637+8.6% | $72,976+25.9% |
| Participation rate | 63.0% | 57.6%+5.5pp | 68.2%-5.2pp | 69.5%-6.4pp |
| Annual return | 38.64% | 37.39%+1.3pp | 258.82%-220.2pp | 81.02%-42.4pp |
| Employer contribution / active EE | $4,595 | $1,602+186.8% | $2,653+73.2% | $2,440+88.3% |
| Participant deferral / active EE | $6,861 | $2,681+155.9% | $3,900+75.9% | $3,608+90.2% |
| Admin fee / account holder | $2,854 | $3,395-15.9% | $4,914-41.9% | $5,124-44.3% |