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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 | $69,356 | $29,733+133.3% | $56,025+23.8% | $80,959-14.3% |
| Participation rate | 49.1% | 41.7%+7.4pp | 52.5%-3.4pp | 67.7%-18.6pp |
| Annual return | 16.89% | 35.28%-18.4pp | 1712.69%-1695.8pp | 35.67%-18.8pp |
| Employer contribution / active EE | $1,047 | $672+55.9% | $1,042+0.5% | $2,757-62.0% |
| Participant deferral / active EE | $3,808 | $1,229+209.7% | $1,955+94.8% | $4,300-11.5% |
| Admin fee / account holder | $1,597 | $2,434-34.4% | $2,828-43.5% | $6,925-76.9% |