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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 | $124,998 | $28,624+336.7% | $53,647+133.0% | $82,637+51.3% |
| Participation rate | 10.6% | 47.3%-36.6pp | 56.3%-45.6pp | 68.1%-57.4pp |
| Annual return | 22.63% | 664.98%-642.4pp | 358.33%-335.7pp | 53.51%-30.9pp |
| Employer contribution / active EE | $206 | $637-67.6% | $962-78.5% | $2,552-91.9% |
| Participant deferral / active EE | $1,295 | $1,196+8.3% | $1,813-28.6% | $4,126-68.6% |
| Admin fee / account holder | $1,216 | $2,022-39.9% | $2,460-50.6% | $7,339-83.4% |