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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 | $81,290 | $58,234+39.6% | $81,783-0.6% | $80,874+0.5% |
| Participation rate | 61.5% | 63.4%-1.9pp | 72.4%-10.8pp | 67.6%-6.1pp |
| Annual return | 13.98% | 41.70%-27.7pp | 775.05%-761.1pp | 35.62%-21.6pp |
| Employer contribution / active EE | $3,089 | $2,341+31.9% | $2,913+6.1% | $2,756+12.1% |
| Participant deferral / active EE | $5,222 | $3,283+59.1% | $4,320+20.9% | $4,297+21.5% |
| Admin fee / account holder | $2,272 | $4,982-54.4% | $7,380-69.2% | $6,935-67.2% |