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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 | $68,314 | $88,672-23.0% | $105,223-35.1% | $82,448-17.1% |
| Participation rate | 61.9% | 67.9%-6.1pp | 75.0%-13.2pp | 68.1%-6.2pp |
| Annual return | 16.01% | 30.86%-14.8pp | 180.65%-164.6pp | 41.64%-25.6pp |
| Employer contribution / active EE | $4,090 | $3,048+34.2% | $3,689+10.9% | $2,551+60.3% |
| Participant deferral / active EE | $7,738 | $4,036+91.7% | $5,072+52.6% | $4,139+86.9% |
| Admin fee / account holder | $11,530 | $7,146+61.4% | $8,859+30.2% | $7,234+59.4% |