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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 | $126,024 | $87,225+44.5% | $158,226-20.4% | $94,015+34.0% |
| Participation rate | 69.4% | 67.9%+1.5pp | 74.8%-5.4pp | 70.8%-1.4pp |
| Annual return | 13.34% | 16.34%-3.0pp | 501.41%-488.1pp | 17.84%-4.5pp |
| Employer contribution / active EE | $5,359 | $2,217+141.7% | $2,986+79.5% | $2,790+92.1% |
| Participant deferral / active EE | $10,760 | $3,405+216.0% | $4,317+149.2% | $4,249+153.2% |
| Admin fee / account holder | $18,300 | $7,888+132.0% | $10,217+79.1% | $8,951+104.4% |