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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 | $58,234+56.1% | $81,783+11.1% | $80,874+12.4% |
| Participation rate | 38.2% | 63.4%-25.2pp | 72.4%-34.1pp | 67.6%-29.4pp |
| Annual return | 13.13% | 41.70%-28.6pp | 775.05%-761.9pp | 35.62%-22.5pp |
| Employer contribution / active EE | $706 | $2,341-69.8% | $2,913-75.7% | $2,756-74.4% |
| Participant deferral / active EE | $1,825 | $3,283-44.4% | $4,320-57.8% | $4,297-57.5% |
| Admin fee / account holder | $544 | $4,982-89.1% | $7,380-92.6% | $6,935-92.2% |