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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 | $88,595 | $58,275+52.0% | $81,844+8.2% | $80,935+9.5% |
| Participation rate | 52.6% | 63.5%-10.8pp | 72.4%-19.7pp | 67.7%-15.0pp |
| Annual return | 16.82% | 41.82%-25.0pp | 778.87%-762.0pp | 35.66%-18.8pp |
| Employer contribution / active EE | $829 | $2,346-64.7% | $2,916-71.6% | $2,757-69.9% |
| Participant deferral / active EE | $2,060 | $3,285-37.3% | $4,323-52.3% | $4,299-52.1% |
| Admin fee / account holder | $358 | $4,749-92.5% | $7,355-95.1% | $6,924-94.8% |