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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 | $103,153 | $100,203+2.9% | $85,240+21.0% | $145,897-29.3% |
| Participation rate | 62.5% | 74.1%-11.6pp | 67.5%-5.0pp | 80.3%-17.8pp |
| Annual return | 14.06% | 84.28%-70.2pp | 66.75%-52.7pp | 552.29%-538.2pp |
| Employer contribution / active EE | $2,461 | $3,242-24.1% | $2,735-10.0% | $4,663-47.2% |
| Participant deferral / active EE | $5,775 | $5,299+9.0% | $4,527+27.6% | $6,689-13.7% |
| Admin fee / account holder | $7,559 | $7,265+4.0% | $6,165+22.6% | $13,390-43.6% |