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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 | $29,736+206.1% | $56,033+62.5% | $80,935+12.5% |
| Participation rate | 53.2% | 41.7%+11.5pp | 52.5%+0.7pp | 67.7%-14.5pp |
| Annual return | 11.03% | 35.28%-24.2pp | 1711.38%-1700.3pp | 35.66%-24.6pp |
| Employer contribution / active EE | $1,006 | $671+49.8% | $1,041-3.4% | $2,757-63.5% |
| Participant deferral / active EE | $1,517 | $1,228+23.5% | $1,954-22.3% | $4,299-64.7% |
| Admin fee / account holder | $13,552 | $2,434+456.9% | $2,827+379.4% | $6,924+95.7% |