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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 | $29,716+245.1% | $56,077+82.9% | $80,925+26.7% |
| Participation rate | 51.9% | 41.7%+10.2pp | 52.5%-0.6pp | 67.7%-15.8pp |
| Annual return | 11.01% | 35.30%-24.3pp | 1709.28%-1698.3pp | 35.65%-24.6pp |
| Employer contribution / active EE | $792 | $671+18.1% | $1,040-23.9% | $2,756-71.3% |
| Participant deferral / active EE | $2,846 | $1,228+131.6% | $1,954+45.6% | $4,299-33.8% |
| Admin fee / account holder | $4,020 | $2,432+65.3% | $2,825+42.3% | $6,940-42.1% |