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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 | $126,811 | $27,800+356.1% | $58,507+116.7% | $71,529+77.3% |
| Participation rate | 19.5% | 34.6%-15.1pp | 50.9%-31.4pp | 67.9%-48.4pp |
| Annual return | 24.92% | 26.80%-1.9pp | 4252.32%-4227.4pp | 28.97%-4.1pp |
| Employer contribution / active EE | $321 | $632-49.1% | $1,053-69.5% | $2,590-87.6% |
| Participant deferral / active EE | $1,036 | $1,208-14.3% | $1,922-46.1% | $4,291-75.9% |
| Admin fee / account holder | $1,077 | $1,637-34.2% | $2,486-56.7% | $1,588-32.2% |