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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 | $105,180 | $63,703+65.1% | $93,063+13.0% | $82,448+27.6% |
| Participation rate | 68.3% | 63.8%+4.5pp | 72.1%-3.8pp | 68.1%+0.2pp |
| Annual return | 19.29% | -775.43%+794.7pp | 34.15%-14.9pp | 41.64%-22.4pp |
| Employer contribution / active EE | $3,703 | $1,729+114.2% | $2,476+49.6% | $2,551+45.2% |
| Participant deferral / active EE | $2,310 | $2,919-20.9% | $3,958-41.6% | $4,139-44.2% |
| Admin fee / account holder | $3,767 | $5,982-37.0% | $6,033-37.6% | $7,234-47.9% |