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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 | $37,713 | $29,319+28.6% | $52,425-28.1% | $82,448-54.3% |
| Participation rate | 23.4% | 46.9%-23.5pp | 55.6%-32.2pp | 68.1%-44.7pp |
| Annual return | 19.53% | 535.20%-515.7pp | 302.12%-282.6pp | 41.64%-22.1pp |
| Employer contribution / active EE | $809 | $586+38.0% | $914-11.5% | $2,551-68.3% |
| Participant deferral / active EE | $1,837 | $1,171+56.8% | $1,790+2.6% | $4,139-55.6% |
| Admin fee / account holder | $1,193 | $1,962-39.2% | $2,495-52.2% | $7,234-83.5% |