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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 | $84,331 | $65,566+28.6% | $86,200-2.2% | $75,173+12.2% |
| Participation rate | 67.6% | 60.5%+7.2pp | 69.0%-1.3pp | 67.2%+0.5pp |
| Annual return | 16.34% | 46.06%-29.7pp | 1168.58%-1152.2pp | 160.65%-144.3pp |
| Employer contribution / active EE | $1,847 | $1,553+18.9% | $2,381-22.4% | $2,670-30.8% |
| Participant deferral / active EE | $1,379 | $3,024-54.4% | $3,986-65.4% | $4,126-66.6% |
| Admin fee / account holder | $4,449 | $5,475-18.7% | $6,853-35.1% | $5,651-21.3% |