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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 | $91,903 | $24,618+273.3% | $71,585+28.4% | $82,637+11.2% |
| Participation rate | 47.7% | 68.2%-20.5pp | 68.2%-20.4pp | 68.1%-20.3pp |
| Annual return | 15.46% | 93.17%-77.7pp | 59.26%-43.8pp | 53.51%-38.0pp |
| Employer contribution / active EE | $1,304 | $852+53.0% | $1,669-21.9% | $2,552-48.9% |
| Participant deferral / active EE | $3,319 | $1,720+92.9% | $2,923+13.5% | $4,126-19.6% |
| Admin fee / account holder | $8,415 | $3,285+156.2% | $4,712+78.6% | $7,339+14.7% |