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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 | $79,559 | $51,638+54.1% | $68,368+16.4% | $82,448-3.5% |
| Participation rate | 64.1% | 63.6%+0.5pp | 73.8%-9.6pp | 68.1%-4.0pp |
| Annual return | 15.64% | 37.53%-21.9pp | 292.57%-276.9pp | 41.64%-26.0pp |
| Employer contribution / active EE | $952 | $2,047-53.5% | $2,649-64.1% | $2,551-62.7% |
| Participant deferral / active EE | $5,901 | $2,914+102.5% | $4,123+43.1% | $4,139+42.6% |
| Admin fee / account holder | $13,030 | $4,643+180.6% | $5,150+153.0% | $7,234+80.1% |