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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 | $88,672+24.3% | $105,223+4.8% | $82,448+33.7% |
| Participation rate | 61.8% | 67.9%-6.2pp | 75.0%-13.3pp | 68.1%-6.3pp |
| Annual return | 16.94% | 30.86%-13.9pp | 180.65%-163.7pp | 41.64%-24.7pp |
| Employer contribution / active EE | $4,900 | $3,048+60.8% | $3,689+32.8% | $2,551+92.1% |
| Participant deferral / active EE | $8,265 | $4,036+104.8% | $5,072+63.0% | $4,139+99.7% |
| Admin fee / account holder | $10,949 | $7,146+53.2% | $8,859+23.6% | $7,234+51.4% |