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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 | $113,711 | $91,559+24.2% | $133,978-15.1% | $79,856+42.4% |
| Participation rate | 50.0% | 73.3%-23.3pp | 79.8%-29.8pp | 69.6%-19.6pp |
| Annual return | 12.50% | 61.85%-49.4pp | 45.10%-32.6pp | 31.71%-19.2pp |
| Employer contribution / active EE | $2,636 | $2,384+10.6% | $3,919-32.7% | $2,471+6.7% |
| Participant deferral / active EE | $4,774 | $3,734+27.9% | $5,047-5.4% | $3,741+27.6% |
| Admin fee / account holder | $5,516 | $6,321-12.7% | $8,930-38.2% | $5,306+3.9% |