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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 | $144,277 | $27,936+416.5% | $58,561+146.4% | $75,173+91.9% |
| Participation rate | 41.7% | 38.8%+2.8pp | 50.9%-9.2pp | 67.2%-25.5pp |
| Annual return | 15.43% | 44.21%-28.8pp | 4251.33%-4235.9pp | 160.72%-145.3pp |
| Employer contribution / active EE | $1,394 | $670+108.1% | $1,053+32.3% | $2,671-47.8% |
| Participant deferral / active EE | $4,586 | $1,202+281.6% | $1,923+138.5% | $4,126+11.2% |
| Admin fee / account holder | $1,374 | $1,727-20.4% | $2,520-45.5% | $5,651-75.7% |