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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 | $99,403 | $95,406+4.2% | $185,849-46.5% | $85,847+15.8% |
| Participation rate | 69.2% | 68.8%+0.5pp | 81.7%-12.5pp | 69.3%-0.1pp |
| Annual return | 13.92% | 23.59%-9.7pp | 122.10%-108.2pp | 318.61%-304.7pp |
| Employer contribution / active EE | $12,569 | $3,314+279.3% | $5,169+143.2% | $2,565+389.9% |
| Participant deferral / active EE | $6,442 | $3,424+88.2% | $5,569+15.7% | $3,952+63.0% |
| Admin fee / account holder | $4,139 | $7,214-42.6% | $16,244-74.5% | $6,261-33.9% |