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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 | $55,438 | $27,936+98.4% | $58,561-5.3% | $75,173-26.3% |
| Participation rate | 24.3% | 38.8%-14.5pp | 50.9%-26.5pp | 67.2%-42.9pp |
| Annual return | 18.26% | 44.21%-26.0pp | 4251.33%-4233.1pp | 160.72%-142.5pp |
| Employer contribution / active EE | $918 | $670+37.0% | $1,053-12.9% | $2,671-65.6% |
| Participant deferral / active EE | $2,888 | $1,202+140.3% | $1,923+50.2% | $4,126-30.0% |
| Admin fee / account holder | $3,185 | $1,727+84.5% | $2,520+26.4% | $5,651-43.6% |