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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 | $112,708 | $117,895-4.4% | $102,460+10.0% | $145,897-22.7% |
| Participation rate | 61.5% | 78.6%-17.1pp | 76.5%-15.0pp | 80.3%-18.8pp |
| Annual return | 13.45% | 31.92%-18.5pp | 29.47%-16.0pp | 552.29%-538.8pp |
| Employer contribution / active EE | $3,441 | $3,619-4.9% | $3,025+13.7% | $4,663-26.2% |
| Participant deferral / active EE | $11,564 | $5,736+101.6% | $5,056+128.7% | $6,689+72.9% |
| Admin fee / account holder | $3,811 | $13,353-71.5% | $9,460-59.7% | $13,390-71.5% |