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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 | $179,371 | $29,733+503.3% | $56,025+220.2% | $80,959+121.6% |
| Participation rate | 29.8% | 41.7%-11.9pp | 52.5%-22.7pp | 67.7%-37.9pp |
| Annual return | 10.81% | 35.28%-24.5pp | 1712.69%-1701.9pp | 35.67%-24.9pp |
| Employer contribution / active EE | $1,018 | $672+51.5% | $1,042-2.3% | $2,757-63.1% |
| Participant deferral / active EE | $3,527 | $1,229+186.9% | $1,955+80.5% | $4,300-18.0% |
| Admin fee / account holder | $2,280 | $2,434-6.3% | $2,828-19.4% | $6,925-67.1% |