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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 | $98,796 | $29,716+232.5% | $56,077+76.2% | $80,925+22.1% |
| Participation rate | 54.2% | 41.7%+12.5pp | 52.5%+1.7pp | 67.7%-13.5pp |
| Annual return | 14.32% | 35.30%-21.0pp | 1709.28%-1695.0pp | 35.65%-21.3pp |
| Employer contribution / active EE | $545 | $671-18.8% | $1,040-47.6% | $2,756-80.2% |
| Participant deferral / active EE | $3,278 | $1,228+166.8% | $1,954+67.8% | $4,299-23.7% |
| Admin fee / account holder | $576 | $2,432-76.3% | $2,825-79.6% | $6,940-91.7% |