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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 | $82,890 | $29,319+182.7% | $52,425+58.1% | $82,448+0.5% |
| Participation rate | 61.0% | 46.9%+14.1pp | 55.6%+5.4pp | 68.1%-7.1pp |
| Annual return | 17.00% | 535.20%-518.2pp | 302.12%-285.1pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,244 | $586+112.2% | $914+36.1% | $2,551-51.2% |
| Participant deferral / active EE | $2,232 | $1,171+90.5% | $1,790+24.6% | $4,139-46.1% |
| Admin fee / account holder | $487 | $1,962-75.2% | $2,495-80.5% | $7,234-93.3% |