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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 | $63,703+97.8% | $93,063+35.4% | $82,448+52.9% |
| Participation rate | 69.4% | 63.8%+5.6pp | 72.1%-2.7pp | 68.1%+1.4pp |
| Annual return | 13.34% | -775.43%+788.8pp | 34.15%-20.8pp | 41.64%-28.3pp |
| Employer contribution / active EE | $5,359 | $1,729+210.0% | $2,476+116.4% | $2,551+110.1% |
| Participant deferral / active EE | $10,760 | $2,919+268.6% | $3,958+171.8% | $4,139+159.9% |
| Admin fee / account holder | $18,300 | $5,982+205.9% | $6,033+203.3% | $7,234+153.0% |