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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 | $64,502 | $29,319+120.0% | $52,425+23.0% | $82,448-21.8% |
| Participation rate | 47.9% | 46.9%+1.0pp | 55.6%-7.7pp | 68.1%-20.2pp |
| Annual return | 17.97% | 535.20%-517.2pp | 302.12%-284.1pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,813 | $586+209.1% | $914+98.3% | $2,551-28.9% |
| Participant deferral / active EE | $5,733 | $1,171+389.5% | $1,790+220.2% | $4,139+38.5% |
| Admin fee / account holder | $2,283 | $1,962+16.4% | $2,495-8.5% | $7,234-68.4% |