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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 | $97,032 | $56,200+72.7% | $67,653+43.4% | $59,633+62.7% |
| Participation rate | 55.8% | 71.5%-15.7pp | 75.7%-19.9pp | 68.7%-12.9pp |
| Annual return | 1.92% | 18506.71%-18504.8pp | 6625.22%-6623.3pp | 2041.40%-2039.5pp |
| Employer contribution / active EE | $1,215 | $1,615-24.8% | $2,266-46.4% | $2,203-44.8% |
| Participant deferral / active EE | $2,929 | $2,843+3.0% | $3,560-17.7% | $3,192-8.2% |
| Admin fee / account holder | $7,464 | $3,959+88.6% | $4,821+54.8% | $4,297+73.7% |