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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 | $84,210 | $59,402+41.8% | $93,654-10.1% | $74,546+13.0% |
| Participation rate | 33.0% | 59.7%-26.6pp | 68.7%-35.7pp | 67.2%-34.2pp |
| Annual return | 16.76% | 81.86%-65.1pp | 133.34%-116.6pp | 1366.03%-1349.3pp |
| Employer contribution / active EE | $1,071 | $1,265-15.3% | $2,421-55.8% | $2,624-59.2% |
| Participant deferral / active EE | $1,850 | $3,049-39.3% | $4,413-58.1% | $4,347-57.5% |
| Admin fee / account holder | $1,457 | $3,023-51.8% | $8,282-82.4% | $1,944-25.0% |