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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 | $100,615 | $61,815+62.8% | $97,295+3.4% | $80,959+24.3% |
| Participation rate | 67.9% | 63.5%+4.4pp | 72.7%-4.8pp | 67.7%+0.2pp |
| Annual return | 16.08% | -558.73%+574.8pp | 75.62%-59.5pp | 35.67%-19.6pp |
| Employer contribution / active EE | $1,604 | $1,836-12.6% | $2,723-41.1% | $2,757-41.8% |
| Participant deferral / active EE | $5,661 | $3,027+87.0% | $4,264+32.8% | $4,300+31.6% |
| Admin fee / account holder | $696 | $5,166-86.5% | $5,646-87.7% | $6,925-89.9% |