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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 | $96,731+14.0% | $123,973-11.1% | $86,983+26.8% |
| Participation rate | 61.8% | 70.0%-8.3pp | 76.7%-14.9pp | 69.5%-7.8pp |
| Annual return | 16.94% | 17.33%-0.4pp | 388.13%-371.2pp | 25.83%-8.9pp |
| Employer contribution / active EE | $4,900 | $3,297+48.6% | $4,126+18.8% | $2,584+89.6% |
| Participant deferral / active EE | $8,265 | $4,152+99.1% | $5,247+57.5% | $4,194+97.1% |
| Admin fee / account holder | $10,949 | $8,722+25.5% | $11,799-7.2% | $7,856+39.4% |