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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 | $119,144 | $106,280+12.1% | $96,538+23.4% | $139,487-14.6% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 15.86% | 38.48%-22.6pp | 35.74%-19.9pp | 373.84%-358.0pp |
| Employer contribution / active EE | $5,947 | $4,107+44.8% | $3,740+59.0% | $4,755+25.1% |
| Participant deferral / active EE | $7,905 | $5,457+44.9% | $4,880+62.0% | $6,713+17.8% |
| Admin fee / account holder | $319 | $7,888-96.0% | $6,737-95.3% | $11,407-97.2% |