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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 | $56,649 | $29,319+93.2% | $52,425+8.1% | $82,448-31.3% |
| Participation rate | 23.1% | 46.9%-23.8pp | 55.6%-32.5pp | 68.1%-45.0pp |
| Annual return | 17.41% | 535.20%-517.8pp | 302.12%-284.7pp | 41.64%-24.2pp |
| Employer contribution / active EE | $755 | $586+28.7% | $914-17.4% | $2,551-70.4% |
| Participant deferral / active EE | $1,675 | $1,171+43.0% | $1,790-6.5% | $4,139-59.5% |
| Admin fee / account holder | $2,942 | $1,962+49.9% | $2,495+17.9% | $7,234-59.3% |