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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 | $110,252 | $93,345+18.1% | $119,126-7.4% | $87,485+26.0% |
| Participation rate | 61.8% | 68.7%-7.0pp | 75.8%-14.0pp | 68.9%-7.2pp |
| Annual return | 16.94% | 19.08%-2.1pp | 282.11%-265.2pp | 26.06%-9.1pp |
| Employer contribution / active EE | $4,900 | $3,172+54.5% | $4,034+21.5% | $2,596+88.7% |
| Participant deferral / active EE | $8,265 | $4,099+101.6% | $5,318+55.4% | $4,274+93.4% |
| Admin fee / account holder | $10,949 | $8,039+36.2% | $10,693+2.4% | $7,775+40.8% |