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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 | $106,606 | $101,618+4.9% | $93,063+14.6% | $137,256-22.3% |
| Participation rate | 62.5% | 74.9%-12.4pp | 72.1%-9.6pp | 80.0%-17.5pp |
| Annual return | 13.50% | 223.95%-210.4pp | 34.15%-20.7pp | 220.34%-206.8pp |
| Employer contribution / active EE | $3,459 | $2,707+27.8% | $2,476+39.7% | $4,156-16.8% |
| Participant deferral / active EE | $3,882 | $4,279-9.3% | $3,958-1.9% | $6,407-39.4% |
| Admin fee / account holder | $2,299 | $6,198-62.9% | $6,033-61.9% | $12,270-81.3% |