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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 | $70,715 | $29,319+141.2% | $52,425+34.9% | $82,448-14.2% |
| Participation rate | 15.7% | 46.9%-31.2pp | 55.6%-39.9pp | 68.1%-52.4pp |
| Annual return | 26.29% | 535.20%-508.9pp | 302.12%-275.8pp | 41.64%-15.4pp |
| Employer contribution / active EE | $395 | $586-32.7% | $914-56.8% | $2,551-84.5% |
| Participant deferral / active EE | $1,427 | $1,171+21.8% | $1,790-20.3% | $4,139-65.5% |
| Admin fee / account holder | $359 | $1,962-81.7% | $2,495-85.6% | $7,234-95.0% |