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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 | $115,862 | $88,672+30.7% | $105,223+10.1% | $82,448+40.5% |
| Participation rate | 69.2% | 67.9%+1.3pp | 75.0%-5.8pp | 68.1%+1.2pp |
| Annual return | 17.77% | 30.86%-13.1pp | 180.65%-162.9pp | 41.64%-23.9pp |
| Employer contribution / active EE | $2,079 | $3,048-31.8% | $3,689-43.6% | $2,551-18.5% |
| Participant deferral / active EE | $3,616 | $4,036-10.4% | $5,072-28.7% | $4,139-12.6% |
| Admin fee / account holder | $4,260 | $7,146-40.4% | $8,859-51.9% | $7,234-41.1% |