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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 | $117,459 | $27,936+320.5% | $58,561+100.6% | $75,173+56.3% |
| Participation rate | 38.5% | 38.8%-0.4pp | 50.9%-12.4pp | 67.2%-28.7pp |
| Annual return | 19.60% | 44.21%-24.6pp | 4251.33%-4231.7pp | 160.72%-141.1pp |
| Employer contribution / active EE | $2,377 | $670+255.0% | $1,053+125.6% | $2,671-11.0% |
| Participant deferral / active EE | $5,894 | $1,202+390.4% | $1,923+206.5% | $4,126+42.8% |
| Admin fee / account holder | $11,643 | $1,727+574.3% | $2,520+361.9% | $5,651+106.0% |