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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 | $90,877 | $58,258+56.0% | $81,820+11.1% | $80,925+12.3% |
| Participation rate | 38.2% | 63.5%-25.2pp | 72.4%-34.1pp | 67.7%-29.4pp |
| Annual return | 13.13% | 41.76%-28.6pp | 777.93%-764.8pp | 35.65%-22.5pp |
| Employer contribution / active EE | $706 | $2,345-69.9% | $2,915-75.8% | $2,756-74.4% |
| Participant deferral / active EE | $1,825 | $3,284-44.4% | $4,323-57.8% | $4,299-57.5% |
| Admin fee / account holder | $544 | $4,976-89.1% | $7,391-92.6% | $6,940-92.2% |