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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 | $69,978 | $55,889+25.2% | $76,119-8.1% | $80,935-13.5% |
| Participation rate | 66.7% | 62.1%+4.6pp | 69.1%-2.4pp | 67.7%-1.0pp |
| Annual return | 20.23% | 20.58%-0.3pp | 361.25%-341.0pp | 35.66%-15.4pp |
| Employer contribution / active EE | $4,086 | $1,866+119.0% | $2,693+51.7% | $2,757+48.2% |
| Participant deferral / active EE | $5,774 | $3,051+89.2% | $4,259+35.6% | $4,299+34.3% |
| Admin fee / account holder | $1,410 | $5,241-73.1% | $6,421-78.0% | $6,924-79.6% |