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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 | $104,575 | $29,670+252.5% | $56,054+86.6% | $80,911+29.2% |
| Participation rate | 19.2% | 41.7%-22.4pp | 52.5%-33.3pp | 67.6%-48.4pp |
| Annual return | 12.07% | 35.24%-23.2pp | 1705.95%-1693.9pp | 35.63%-23.6pp |
| Employer contribution / active EE | $433 | $670-35.4% | $1,039-58.3% | $2,756-84.3% |
| Participant deferral / active EE | $1,741 | $1,227+41.9% | $1,952-10.8% | $4,297-59.5% |
| Admin fee / account holder | $3,309 | $2,431+36.1% | $2,822+17.2% | $6,935-52.3% |