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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 | $107,231 | $88,672+20.9% | $105,223+1.9% | $82,448+30.1% |
| Participation rate | 52.9% | 67.9%-15.0pp | 75.0%-22.1pp | 68.1%-15.1pp |
| Annual return | 14.69% | 30.86%-16.2pp | 180.65%-166.0pp | 41.64%-27.0pp |
| Employer contribution / active EE | $3,432 | $3,048+12.6% | $3,689-7.0% | $2,551+34.5% |
| Participant deferral / active EE | $6,888 | $4,036+70.7% | $5,072+35.8% | $4,139+66.4% |
| Admin fee / account holder | $22,635 | $7,146+216.7% | $8,859+155.5% | $7,234+212.9% |