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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 | $107,164 | $29,319+265.5% | $52,425+104.4% | $82,448+30.0% |
| Participation rate | 32.1% | 46.9%-14.7pp | 55.6%-23.5pp | 68.1%-35.9pp |
| Annual return | 17.58% | 535.20%-517.6pp | 302.12%-284.5pp | 41.64%-24.1pp |
| Employer contribution / active EE | $819 | $586+39.6% | $914-10.5% | $2,551-67.9% |
| Participant deferral / active EE | $3,888 | $1,171+232.0% | $1,790+117.2% | $4,139-6.1% |
| Admin fee / account holder | $1,694 | $1,962-13.7% | $2,495-32.1% | $7,234-76.6% |