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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 | $97,276 | $79,449+22.4% | $189,558-48.7% | $85,856+13.3% |
| Participation rate | 69.2% | 66.0%+3.2pp | 78.5%-9.2pp | 69.3%-0.1pp |
| Annual return | 24.34% | 18.45%+5.9pp | 64.19%-39.8pp | 318.58%-294.2pp |
| Employer contribution / active EE | $4,088 | $2,081+96.4% | $4,412-7.3% | $2,565+59.4% |
| Participant deferral / active EE | $8,333 | $4,051+105.7% | $6,174+35.0% | $3,952+110.8% |
| Admin fee / account holder | $1,216 | $5,377-77.4% | $9,809-87.6% | $6,261-80.6% |