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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 | $85,303 | $89,367-4.5% | $141,191-39.6% | $72,975+16.9% |
| Participation rate | 68.6% | 75.1%-6.5pp | 82.5%-13.8pp | 69.5%-0.9pp |
| Annual return | 22.58% | 111.87%-89.3pp | 71.41%-48.8pp | 81.01%-58.4pp |
| Employer contribution / active EE | $3,981 | $3,115+27.8% | $4,736-15.9% | $2,440+63.2% |
| Participant deferral / active EE | $8,031 | $5,419+48.2% | $6,710+19.7% | $3,608+122.6% |
| Admin fee / account holder | $7,584 | $5,957+27.3% | $10,264-26.1% | $5,124+48.0% |