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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 | $113,934 | $57,352+98.7% | $83,831+35.9% | $64,173+77.5% |
| Participation rate | 68.2% | 68.6%-0.4pp | 76.1%-8.0pp | 69.6%-1.4pp |
| Annual return | -3.96% | 11.38%-15.3pp | 850.99%-854.9pp | 7.63%-11.6pp |
| Employer contribution / active EE | $3,706 | $2,546+45.6% | $3,631+2.1% | $2,381+55.7% |
| Participant deferral / active EE | $4,481 | $2,993+49.7% | $4,082+9.8% | $3,470+29.2% |
| Admin fee / account holder | $8,412 | $4,046+107.9% | $5,479+53.5% | $4,887+72.1% |