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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 | $91,030 | $29,667+206.8% | $56,441+61.3% | $80,874+12.6% |
| Participation rate | 53.2% | 41.7%+11.5pp | 52.5%+0.7pp | 67.6%-14.5pp |
| Annual return | 11.03% | 35.22%-24.2pp | 1704.21%-1693.2pp | 35.62%-24.6pp |
| Employer contribution / active EE | $1,006 | $669+50.2% | $1,039-3.2% | $2,756-63.5% |
| Participant deferral / active EE | $1,517 | $1,227+23.7% | $1,953-22.3% | $4,297-64.7% |
| Admin fee / account holder | $13,552 | $2,429+457.8% | $2,829+379.0% | $6,935+95.4% |