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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 | $58,258+39.5% | $81,820-0.6% | $80,925+0.5% |
| Participation rate | 61.5% | 63.5%-1.9pp | 72.4%-10.8pp | 67.7%-6.1pp |
| Annual return | 13.98% | 41.76%-27.8pp | 777.93%-764.0pp | 35.65%-21.7pp |
| Employer contribution / active EE | $3,089 | $2,345+31.7% | $2,915+6.0% | $2,756+12.1% |
| Participant deferral / active EE | $5,222 | $3,284+59.0% | $4,323+20.8% | $4,299+21.5% |
| Admin fee / account holder | $2,272 | $4,976-54.3% | $7,391-69.3% | $6,940-67.3% |