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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 | $49,040 | $29,319+67.3% | $52,425-6.5% | $82,448-40.5% |
| Participation rate | 56.0% | 46.9%+9.1pp | 55.6%+0.4pp | 68.1%-12.1pp |
| Annual return | 17.56% | 535.20%-517.6pp | 302.12%-284.6pp | 41.64%-24.1pp |
| Employer contribution / active EE | $897 | $586+52.9% | $914-1.9% | $2,551-64.8% |
| Participant deferral / active EE | $3,891 | $1,171+232.2% | $1,790+117.3% | $4,139-6.0% |
| Admin fee / account holder | $641 | $1,962-67.3% | $2,495-74.3% | $7,234-91.1% |