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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 | $89,259+29.8% | $107,187+8.1% | $82,637+40.2% |
| Participation rate | 69.2% | 67.9%+1.3pp | 75.0%-5.8pp | 68.1%+1.2pp |
| Annual return | 17.77% | 21.02%-3.3pp | 204.55%-186.8pp | 53.51%-35.7pp |
| Employer contribution / active EE | $2,079 | $3,080-32.5% | $3,782-45.0% | $2,552-18.5% |
| Participant deferral / active EE | $3,616 | $4,037-10.4% | $5,096-29.0% | $4,126-12.4% |
| Admin fee / account holder | $4,260 | $7,381-42.3% | $9,162-53.5% | $7,339-42.0% |