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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 | $105,975 | $135,956-22.1% | $123,894-14.5% | $273,972-61.3% |
| Participation rate | 62.5% | 84.1%-21.6pp | 81.4%-18.9pp | 83.0%-20.5pp |
| Annual return | 11.63% | 56.63%-45.0pp | 47.52%-35.9pp | 41.46%-29.8pp |
| Employer contribution / active EE | $7,102 | $5,170+37.4% | $4,617+53.8% | $4,869+45.9% |
| Participant deferral / active EE | $6,303 | $6,343-0.6% | $5,984+5.3% | $5,287+19.2% |
| Admin fee / account holder | $9,932 | $9,817+1.2% | $8,357+18.8% | $10,133-2.0% |