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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 | $169,870 | $29,733+471.3% | $56,025+203.2% | $80,959+109.8% |
| Participation rate | 48.0% | 41.7%+6.3pp | 52.5%-4.5pp | 67.7%-19.7pp |
| Annual return | 17.39% | 35.28%-17.9pp | 1712.69%-1695.3pp | 35.67%-18.3pp |
| Employer contribution / active EE | $1,739 | $672+158.8% | $1,042+66.9% | $2,757-36.9% |
| Participant deferral / active EE | $5,529 | $1,229+349.7% | $1,955+182.9% | $4,300+28.6% |
| Admin fee / account holder | $1,474 | $2,434-39.4% | $2,828-47.9% | $6,925-78.7% |