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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 | $119,767 | $78,705+52.2% | $117,860+1.6% | $70,124+70.8% |
| Participation rate | 61.5% | 73.2%-11.7pp | 79.7%-18.1pp | 69.5%-8.0pp |
| Annual return | 23.10% | 23.30%-0.2pp | 335.10%-312.0pp | 73.14%-50.0pp |
| Employer contribution / active EE | $2,472 | $2,223+11.2% | $3,786-34.7% | $2,342+5.5% |
| Participant deferral / active EE | $5,653 | $3,297+71.4% | $4,482+26.1% | $3,332+69.7% |
| Admin fee / account holder | $1,201 | $5,065-76.3% | $8,021-85.0% | $4,645-74.1% |