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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 | $28,624+71.3% | $53,647-8.6% | $82,637-40.7% |
| Participation rate | 56.0% | 47.3%+8.7pp | 56.3%-0.3pp | 68.1%-12.1pp |
| Annual return | 17.56% | 664.98%-647.4pp | 358.33%-340.8pp | 53.51%-35.9pp |
| Employer contribution / active EE | $897 | $637+40.9% | $962-6.8% | $2,552-64.9% |
| Participant deferral / active EE | $3,891 | $1,196+225.3% | $1,813+114.6% | $4,126-5.7% |
| Admin fee / account holder | $641 | $2,022-68.3% | $2,460-73.9% | $7,339-91.3% |