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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 | $44,113 | $28,624+54.1% | $53,647-17.8% | $82,637-46.6% |
| Participation rate | 69.0% | 47.3%+21.7pp | 56.3%+12.7pp | 68.1%+0.9pp |
| Annual return | 15.89% | 664.98%-649.1pp | 358.33%-342.4pp | 53.51%-37.6pp |
| Employer contribution / active EE | $1,686 | $637+164.9% | $962+75.3% | $2,552-33.9% |
| Participant deferral / active EE | $3,527 | $1,196+194.9% | $1,813+94.5% | $4,126-14.5% |
| Admin fee / account holder | $4,462 | $2,022+120.7% | $2,460+81.4% | $7,339-39.2% |