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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 | $83,230 | $29,733+179.9% | $56,025+48.6% | $80,959+2.8% |
| Participation rate | 30.8% | 41.7%-11.0pp | 52.5%-21.7pp | 67.7%-36.9pp |
| Annual return | 12.71% | 35.28%-22.6pp | 1712.69%-1700.0pp | 35.67%-23.0pp |
| Employer contribution / active EE | $923 | $672+37.4% | $1,042-11.4% | $2,757-66.5% |
| Participant deferral / active EE | $3,976 | $1,229+223.4% | $1,955+103.4% | $4,300-7.6% |
| Admin fee / account holder | $303 | $2,434-87.5% | $2,828-89.3% | $6,925-95.6% |