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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 | $64,511 | $29,716+117.1% | $56,077+15.0% | $80,925-20.3% |
| Participation rate | 60.8% | 41.7%+19.1pp | 52.5%+8.3pp | 67.7%-6.9pp |
| Annual return | 13.27% | 35.30%-22.0pp | 1709.28%-1696.0pp | 35.65%-22.4pp |
| Employer contribution / active EE | $1,140 | $671+69.9% | $1,040+9.6% | $2,756-58.6% |
| Participant deferral / active EE | $2,224 | $1,228+81.1% | $1,954+13.8% | $4,299-48.3% |
| Admin fee / account holder | $761 | $2,432-68.7% | $2,825-73.1% | $6,940-89.0% |