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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 | $78,144 | $58,726+33.1% | $142,898-45.3% | $85,847-9.0% |
| Participation rate | 23.9% | 58.5%-34.6pp | 72.0%-48.0pp | 69.3%-45.4pp |
| Annual return | 14.99% | 27.73%-12.7pp | 5639.64%-5624.7pp | 318.61%-303.6pp |
| Employer contribution / active EE | $702 | $1,424-50.7% | $4,146-83.1% | $2,565-72.6% |
| Participant deferral / active EE | $1,057 | $2,609-59.5% | $3,838-72.5% | $3,952-73.2% |
| Admin fee / account holder | $2,799 | $4,234-33.9% | $6,560-57.3% | $6,261-55.3% |