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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 | $106,185 | $102,429+3.7% | $147,096-27.8% | $80,925+31.2% |
| Participation rate | 65.0% | 75.9%-10.9pp | 82.2%-17.2pp | 67.7%-2.7pp |
| Annual return | 13.49% | 135.02%-121.5pp | 419.75%-406.3pp | 35.65%-22.2pp |
| Employer contribution / active EE | $3,933 | $3,716+5.9% | $4,936-20.3% | $2,756+42.7% |
| Participant deferral / active EE | $7,383 | $6,649+11.0% | $8,071-8.5% | $4,299+71.7% |
| Admin fee / account holder | $8,561 | $7,957+7.6% | $13,005-34.2% | $6,940+23.4% |