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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 | $98,534 | $68,880+43.1% | $120,580-18.3% | $80,959+21.7% |
| Participation rate | 66.7% | 61.7%+5.0pp | 72.0%-5.3pp | 67.7%-1.0pp |
| Annual return | 16.49% | 23.68%-7.2pp | 107.48%-91.0pp | 35.67%-19.2pp |
| Employer contribution / active EE | $3,127 | $2,066+51.3% | $3,469-9.9% | $2,757+13.4% |
| Participant deferral / active EE | $6,838 | $3,191+114.3% | $4,995+36.9% | $4,300+59.0% |
| Admin fee / account holder | $14,258 | $5,785+146.5% | $9,418+51.4% | $6,925+105.9% |