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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 | $72,076 | $30,437+136.8% | $56,033+28.6% | $74,459-3.2% |
| Participation rate | 22.4% | 32.9%-10.4pp | 52.5%-30.1pp | 67.2%-44.8pp |
| Annual return | 18.80% | 24.96%-6.2pp | 1711.38%-1692.6pp | 1369.70%-1350.9pp |
| Employer contribution / active EE | $385 | $610-36.9% | $1,041-63.0% | $2,626-85.3% |
| Participant deferral / active EE | $1,170 | $1,176-0.5% | $1,954-40.1% | $4,350-73.1% |
| Admin fee / account holder | $2,009 | $2,363-15.0% | $2,827-28.9% | $1,945+3.3% |