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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 | $111,033 | $34,316+223.6% | $74,722+48.6% | $72,975+52.2% |
| Participation rate | 22.9% | 42.4%-19.5pp | 54.5%-31.5pp | 69.5%-46.6pp |
| Annual return | 18.27% | 26.58%-8.3pp | 753.11%-734.8pp | 81.01%-62.7pp |
| Employer contribution / active EE | $557 | $692-19.5% | $1,084-48.6% | $2,440-77.2% |
| Participant deferral / active EE | $1,494 | $1,272+17.5% | $1,963-23.9% | $3,608-58.6% |
| Admin fee / account holder | $2,074 | $2,125-2.4% | $3,335-37.8% | $5,124-59.5% |