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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 | $65,749 | $46,722+40.7% | $130,660-49.7% | $65,186+0.9% |
| Participation rate | 54.2% | 60.9%-6.7pp | 71.7%-17.5pp | 70.2%-16.0pp |
| Annual return | 29.23% | 24.17%+5.1pp | 1709.29%-1680.1pp | 29.39%-0.2pp |
| Employer contribution / active EE | $2,454 | $1,488+65.0% | $4,092-40.0% | $2,177+12.7% |
| Participant deferral / active EE | $3,299 | $2,545+29.6% | $3,603-8.4% | $3,514-6.1% |
| Admin fee / account holder | $1,512 | $453+233.9% | $5,463-72.3% | $847+78.5% |