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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 | $104,284 | $101,063+3.2% | $81,473+28.0% | $147,586-29.3% |
| Participation rate | 66.7% | 74.5%-7.8pp | 68.0%-1.3pp | 82.8%-16.2pp |
| Annual return | 16.54% | 32.41%-15.9pp | 38.78%-22.2pp | 578.59%-562.1pp |
| Employer contribution / active EE | $4,100 | $3,206+27.9% | $2,568+59.7% | $4,876-15.9% |
| Participant deferral / active EE | $9,054 | $4,242+113.4% | $3,537+156.0% | $5,439+66.5% |
| Admin fee / account holder | $1,220 | $5,812-79.0% | $4,561-73.3% | $10,886-88.8% |