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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 | $124,103 | $56,110+121.2% | $94,993+30.6% | $70,126+77.0% |
| Participation rate | 62.8% | 65.0%-2.2pp | 73.9%-11.1pp | 69.5%-6.7pp |
| Annual return | 13.10% | 51.02%-37.9pp | 27.14%-14.0pp | 73.15%-60.0pp |
| Employer contribution / active EE | $4,227 | $1,442+193.1% | $2,603+62.4% | $2,343+80.4% |
| Participant deferral / active EE | $3,924 | $2,391+64.1% | $3,317+18.3% | $3,332+17.8% |
| Admin fee / account holder | $13,586 | $3,456+293.1% | $4,960+173.9% | $4,645+192.4% |