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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 | $47,300 | $29,716+59.2% | $56,077-15.7% | $80,925-41.6% |
| Participation rate | 52.3% | 41.7%+10.6pp | 52.5%-0.2pp | 67.7%-15.4pp |
| Annual return | 14.45% | 35.30%-20.8pp | 1709.28%-1694.8pp | 35.65%-21.2pp |
| Employer contribution / active EE | $1,784 | $671+165.9% | $1,040+71.5% | $2,756-35.3% |
| Participant deferral / active EE | $5,973 | $1,228+386.2% | $1,954+205.7% | $4,299+39.0% |
| Admin fee / account holder | $1,385 | $2,432-43.1% | $2,825-51.0% | $6,940-80.0% |