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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 | $86,352 | $64,640+33.6% | $81,820+5.5% | - |
| Participation rate | 35.4% | 64.3%-28.9pp | 72.4%-37.0pp | - |
| Annual return | 21.87% | 13.47%+8.4pp | 777.93%-756.1pp | - |
| Employer contribution / active EE | $4,815 | $3,040+58.4% | $2,915+65.2% | - |
| Participant deferral / active EE | $2,641 | $3,288-19.7% | $4,323-38.9% | - |
| Admin fee / account holder | $1,442 | $2,218-35.0% | $7,391-80.5% | - |