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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 | $113,250 | $77,638+45.9% | $156,551-27.7% | $62,881+80.1% |
| Participation rate | 66.0% | 71.2%-5.2pp | 84.0%-18.0pp | 69.3%-3.3pp |
| Annual return | 8.04% | 50.33%-42.3pp | 32.23%-24.2pp | 20.14%-12.1pp |
| Employer contribution / active EE | $6,153 | $3,444+78.7% | $5,501+11.8% | $2,281+169.7% |
| Participant deferral / active EE | $7,558 | $3,046+148.2% | $4,871+55.2% | $3,203+136.0% |
| Admin fee / account holder | $8,514 | $5,561+53.1% | $13,028-34.7% | $4,296+98.2% |