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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 | $128,981 | $31,679+307.1% | $74,723+72.6% | $65,186+97.9% |
| Participation rate | 17.6% | 40.4%-22.8pp | 54.5%-36.9pp | 70.2%-52.6pp |
| Annual return | 23.41% | 39.04%-15.6pp | 753.18%-729.8pp | 29.39%-6.0pp |
| Employer contribution / active EE | $321 | $566-43.4% | $1,084-70.4% | $2,177-85.3% |
| Participant deferral / active EE | $994 | $1,191-16.5% | $1,962-49.3% | $3,514-71.7% |
| Admin fee / account holder | $553 | $379+45.9% | $3,335-83.4% | $847-34.8% |