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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 | $113,677 | $93,345+21.8% | $119,126-4.6% | $87,485+29.9% |
| Participation rate | 65.3% | 68.7%-3.4pp | 75.8%-10.5pp | 68.9%-3.6pp |
| Annual return | 18.38% | 19.08%-0.7pp | 282.11%-263.7pp | 26.06%-7.7pp |
| Employer contribution / active EE | $2,174 | $3,172-31.5% | $4,034-46.1% | $2,596-16.3% |
| Participant deferral / active EE | $4,878 | $4,099+19.0% | $5,318-8.3% | $4,274+14.1% |
| Admin fee / account holder | $3,653 | $8,039-54.6% | $10,693-65.8% | $7,775-53.0% |