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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 | $29,736+471.3% | $56,033+203.2% | $80,935+109.9% |
| Participation rate | 48.0% | 41.7%+6.3pp | 52.5%-4.5pp | 67.7%-19.7pp |
| Annual return | 17.39% | 35.28%-17.9pp | 1711.38%-1694.0pp | 35.66%-18.3pp |
| Employer contribution / active EE | $1,739 | $671+158.9% | $1,041+67.0% | $2,757-36.9% |
| Participant deferral / active EE | $5,529 | $1,228+350.1% | $1,954+183.0% | $4,299+28.6% |
| Admin fee / account holder | $1,474 | $2,434-39.4% | $2,827-47.9% | $6,924-78.7% |