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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 | $38,048 | $29,319+29.8% | $52,425-27.4% | $82,448-53.9% |
| Participation rate | 34.4% | 46.9%-12.5pp | 55.6%-21.2pp | 68.1%-33.7pp |
| Annual return | 21.14% | 535.20%-514.1pp | 302.12%-281.0pp | 41.64%-20.5pp |
| Employer contribution / active EE | $704 | $586+20.0% | $914-23.0% | $2,551-72.4% |
| Participant deferral / active EE | $1,496 | $1,171+27.7% | $1,790-16.5% | $4,139-63.9% |
| Admin fee / account holder | $1,243 | $1,962-36.7% | $2,495-50.2% | $7,234-82.8% |