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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 | $86,962 | $29,736+192.4% | $56,033+55.2% | $80,935+7.4% |
| Participation rate | 41.5% | 41.7%-0.2pp | 52.5%-11.0pp | 67.7%-26.2pp |
| Annual return | 19.20% | 35.28%-16.1pp | 1711.38%-1692.2pp | 35.66%-16.5pp |
| Employer contribution / active EE | $1,178 | $671+75.4% | $1,041+13.2% | $2,757-57.3% |
| Participant deferral / active EE | $1,911 | $1,228+55.6% | $1,954-2.2% | $4,299-55.6% |
| Admin fee / account holder | $572 | $2,434-76.5% | $2,827-79.8% | $6,924-91.7% |