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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 | $53,185 | $29,736+78.9% | $56,033-5.1% | $80,935-34.3% |
| Participation rate | 46.1% | 41.7%+4.4pp | 52.5%-6.4pp | 67.7%-21.6pp |
| Annual return | 18.21% | 35.28%-17.1pp | 1711.38%-1693.2pp | 35.66%-17.4pp |
| Employer contribution / active EE | $839 | $671+24.9% | $1,041-19.4% | $2,757-69.6% |
| Participant deferral / active EE | $1,731 | $1,228+40.9% | $1,954-11.4% | $4,299-59.7% |
| Admin fee / account holder | $3,506 | $2,434+44.0% | $2,827+24.0% | $6,924-49.4% |