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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 | $98,635 | $52,353+88.4% | $120,225-18.0% | $82,448+19.6% |
| Participation rate | 63.6% | 58.3%+5.3pp | 69.6%-5.9pp | 68.1%-4.4pp |
| Annual return | 15.90% | 61.85%-45.9pp | 439.23%-423.3pp | 41.64%-25.7pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,013 | $2,627-61.5% | $3,999-74.7% | $4,139-75.5% |
| Admin fee / account holder | $2,401 | $4,363-45.0% | $5,696-57.9% | $7,234-66.8% |