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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 | $74,482 | $23,330+219.3% | $64,489+15.5% | $82,448-9.7% |
| Participation rate | 33.8% | 68.3%-34.4pp | 67.7%-33.8pp | 68.1%-34.2pp |
| Annual return | 19.74% | 83.66%-63.9pp | 55.03%-35.3pp | 41.64%-21.9pp |
| Employer contribution / active EE | $878 | $824+6.5% | $1,523-42.4% | $2,551-65.6% |
| Participant deferral / active EE | $2,634 | $1,707+54.3% | $2,778-5.2% | $4,139-36.4% |
| Admin fee / account holder | $328 | $2,946-88.9% | $4,260-92.3% | $7,234-95.5% |