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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 | $128,997 | $52,353+146.4% | $120,225+7.3% | $82,448+56.5% |
| Participation rate | 23.4% | 58.3%-34.9pp | 69.6%-46.2pp | 68.1%-44.7pp |
| Annual return | 16.90% | 61.85%-45.0pp | 439.23%-422.3pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,019 | $1,510-32.5% | $3,475-70.7% | $2,551-60.0% |
| Participant deferral / active EE | $2,552 | $2,627-2.8% | $3,999-36.2% | $4,139-38.3% |
| Admin fee / account holder | $34,261 | $4,363+685.3% | $5,696+501.5% | $7,234+373.6% |