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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 | $124,487 | $49,976+149.1% | $66,674+86.7% | $82,637+50.6% |
| Participation rate | 50.0% | 63.1%-13.1pp | 73.7%-23.7pp | 68.1%-18.1pp |
| Annual return | 19.81% | 39.09%-19.3pp | 321.24%-301.4pp | 53.51%-33.7pp |
| Employer contribution / active EE | $843 | $1,988-57.6% | $2,620-67.8% | $2,552-67.0% |
| Participant deferral / active EE | $2,181 | $2,847-23.4% | $4,084-46.6% | $4,126-47.1% |
| Admin fee / account holder | $1,298 | $4,594-71.7% | $5,098-74.5% | $7,339-82.3% |