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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 | $72,269 | $61,125+18.2% | $94,057-23.2% | $87,485-17.4% |
| Participation rate | 60.7% | 64.1%-3.4pp | 73.3%-12.6pp | 68.9%-8.2pp |
| Annual return | 16.20% | 35.20%-19.0pp | 480.62%-464.4pp | 26.06%-9.9pp |
| Employer contribution / active EE | $3,037 | $2,136+42.1% | $2,933+3.5% | $2,596+17.0% |
| Participant deferral / active EE | $5,413 | $3,260+66.0% | $4,709+14.9% | $4,274+26.7% |
| Admin fee / account holder | $7,913 | $5,629+40.6% | $7,244+9.2% | $7,775+1.8% |