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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 | $105,284+4.7% | $150,734-26.9% | $94,015+17.3% |
| Participation rate | 61.8% | 71.7%-10.0pp | 78.4%-16.7pp | 70.8%-9.1pp |
| Annual return | 16.94% | 15.67%+1.3pp | 600.81%-583.9pp | 17.84%-0.9pp |
| Employer contribution / active EE | $4,900 | $3,599+36.2% | $4,918-0.4% | $2,790+75.6% |
| Participant deferral / active EE | $8,265 | $4,274+93.4% | $5,610+47.3% | $4,249+94.5% |
| Admin fee / account holder | $10,949 | $9,839+11.3% | $14,905-26.5% | $8,951+22.3% |