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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 | $65,888 | $48,364+36.2% | $71,796-8.2% | $62,881+4.8% |
| Participation rate | 64.4% | 60.6%+3.8pp | 69.1%-4.7pp | 69.3%-4.9pp |
| Annual return | 6.04% | 13.16%-7.1pp | 78.04%-72.0pp | 20.14%-14.1pp |
| Employer contribution / active EE | $855 | $1,042-17.9% | $1,924-55.6% | $2,281-62.5% |
| Participant deferral / active EE | $3,561 | $2,091+70.3% | $2,794+27.4% | $3,203+11.2% |
| Admin fee / account holder | $931 | $3,771-75.3% | $4,815-80.7% | $4,296-78.3% |