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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 | $29,716+503.6% | $56,077+219.9% | $80,925+121.7% |
| Participation rate | 29.8% | 41.7%-11.9pp | 52.5%-22.7pp | 67.7%-37.9pp |
| Annual return | 10.81% | 35.30%-24.5pp | 1709.28%-1698.5pp | 35.65%-24.8pp |
| Employer contribution / active EE | $1,018 | $671+51.6% | $1,040-2.2% | $2,756-63.1% |
| Participant deferral / active EE | $3,527 | $1,228+187.1% | $1,954+80.5% | $4,299-17.9% |
| Admin fee / account holder | $2,280 | $2,432-6.3% | $2,825-19.3% | $6,940-67.2% |