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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 | $98,153 | $91,559+7.2% | $133,971-26.7% | $79,852+22.9% |
| Participation rate | 58.7% | 73.3%-14.6pp | 79.8%-21.1pp | 69.6%-10.9pp |
| Annual return | 22.85% | 61.85%-39.0pp | 45.09%-22.2pp | 31.72%-8.9pp |
| Employer contribution / active EE | $2,661 | $2,384+11.6% | $3,919-32.1% | $2,471+7.7% |
| Participant deferral / active EE | $5,415 | $3,734+45.0% | $5,047+7.3% | $3,740+44.8% |
| Admin fee / account holder | $3,781 | $6,321-40.2% | $8,929-57.7% | $5,306-28.7% |