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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 | $121,807 | $89,367+36.3% | $141,191-13.7% | $72,975+66.9% |
| Participation rate | 69.0% | 75.1%-6.1pp | 82.5%-13.4pp | 69.5%-0.4pp |
| Annual return | 22.45% | 111.87%-89.4pp | 71.41%-49.0pp | 81.01%-58.6pp |
| Employer contribution / active EE | $2,701 | $3,115-13.3% | $4,736-43.0% | $2,440+10.7% |
| Participant deferral / active EE | $4,382 | $5,419-19.1% | $6,710-34.7% | $3,608+21.5% |
| Admin fee / account holder | $844 | $5,957-85.8% | $10,264-91.8% | $5,124-83.5% |