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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 | $102,543 | $29,667+245.7% | $56,441+81.7% | $80,874+26.8% |
| Participation rate | 51.9% | 41.7%+10.2pp | 52.5%-0.6pp | 67.6%-15.8pp |
| Annual return | 11.01% | 35.22%-24.2pp | 1704.21%-1693.2pp | 35.62%-24.6pp |
| Employer contribution / active EE | $792 | $669+18.4% | $1,039-23.8% | $2,756-71.3% |
| Participant deferral / active EE | $2,846 | $1,227+132.0% | $1,953+45.7% | $4,297-33.8% |
| Admin fee / account holder | $4,020 | $2,429+65.5% | $2,829+42.1% | $6,935-42.0% |