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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 | $90,235 | $55,930+61.3% | $76,089+18.6% | $80,925+11.5% |
| Participation rate | 69.7% | 62.1%+7.6pp | 69.1%+0.6pp | 67.7%+2.0pp |
| Annual return | 11.65% | 20.58%-8.9pp | 360.94%-349.3pp | 35.65%-24.0pp |
| Employer contribution / active EE | $3,018 | $1,866+61.7% | $2,690+12.2% | $2,756+9.5% |
| Participant deferral / active EE | $7,008 | $3,051+129.7% | $4,259+64.5% | $4,299+63.0% |
| Admin fee / account holder | $5,878 | $5,241+12.2% | $6,418-8.4% | $6,940-15.3% |