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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 | $99,851 | $88,672+12.6% | $105,223-5.1% | $82,448+21.1% |
| Participation rate | 66.7% | 67.9%-1.3pp | 75.0%-8.4pp | 68.1%-1.4pp |
| Annual return | 18.45% | 30.86%-12.4pp | 180.65%-162.2pp | 41.64%-23.2pp |
| Employer contribution / active EE | $3,698 | $3,048+21.3% | $3,689+0.2% | $2,551+44.9% |
| Participant deferral / active EE | $6,430 | $4,036+59.3% | $5,072+26.8% | $4,139+55.3% |
| Admin fee / account holder | $2,274 | $7,146-68.2% | $8,859-74.3% | $7,234-68.6% |