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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 | $98,390 | $65,367+50.5% | $92,915+5.9% | $72,976+34.8% |
| Participation rate | 60.0% | 68.3%-8.3pp | 76.0%-16.0pp | 69.5%-9.5pp |
| Annual return | 20.06% | 42.11%-22.1pp | 109.45%-89.4pp | 81.02%-61.0pp |
| Employer contribution / active EE | $3,700 | $2,594+42.6% | $3,653+1.3% | $2,440+51.6% |
| Participant deferral / active EE | $6,586 | $3,128+110.5% | $4,238+55.4% | $3,608+82.6% |
| Admin fee / account holder | $31,246 | $4,251+635.0% | $5,796+439.1% | $5,124+509.8% |