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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 | $81,033 | $52,279+55.0% | $89,414-9.4% | $79,852+1.5% |
| Participation rate | 69.0% | 57.5%+11.4pp | 68.0%+1.0pp | 69.6%-0.7pp |
| Annual return | 27.29% | 22.16%+5.1pp | 245.50%-218.2pp | 31.72%-4.4pp |
| Employer contribution / active EE | $2,882 | $1,572+83.4% | $2,586+11.4% | $2,471+16.6% |
| Participant deferral / active EE | $7,331 | $2,740+167.5% | $3,890+88.5% | $3,740+96.0% |
| Admin fee / account holder | $4,422 | $3,356+31.7% | $4,883-9.5% | $5,306-16.7% |