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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 | $98,871 | $65,027+52.0% | $90,970+8.7% | $79,852+23.8% |
| Participation rate | 65.6% | 61.6%+4.0pp | 69.0%-3.4pp | 69.6%-4.0pp |
| Annual return | 13.42% | 30.45%-17.0pp | 134.58%-121.2pp | 31.72%-18.3pp |
| Employer contribution / active EE | $1,601 | $1,247+28.3% | $2,122-24.6% | $2,471-35.2% |
| Participant deferral / active EE | $4,053 | $2,512+61.3% | $3,373+20.1% | $3,740+8.3% |
| Admin fee / account holder | $16,888 | $4,535+272.4% | $5,960+183.3% | $5,306+218.3% |