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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 | $152,353 | $28,624+432.3% | $53,647+184.0% | $82,637+84.4% |
| Participation rate | 19.2% | 47.3%-28.0pp | 56.3%-37.0pp | 68.1%-48.8pp |
| Annual return | 20.51% | 664.98%-644.5pp | 358.33%-337.8pp | 53.51%-33.0pp |
| Employer contribution / active EE | $562 | $637-11.7% | $962-41.6% | $2,552-78.0% |
| Participant deferral / active EE | $2,076 | $1,196+73.6% | $1,813+14.5% | $4,126-49.7% |
| Admin fee / account holder | $3,220 | $2,022+59.3% | $2,460+30.9% | $7,339-56.1% |