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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 | $104,568 | $63,346+65.1% | $92,240+13.4% | $70,126+49.1% |
| Participation rate | 50.0% | 68.7%-18.7pp | 76.5%-26.5pp | 69.5%-19.5pp |
| Annual return | 17.93% | 530.19%-512.3pp | 176.29%-158.4pp | 73.15%-55.2pp |
| Employer contribution / active EE | $1,111 | $2,471-55.0% | $3,680-69.8% | $2,343-52.6% |
| Participant deferral / active EE | $1,956 | $2,854-31.4% | $3,897-49.8% | $3,332-41.3% |
| Admin fee / account holder | $491 | $3,841-87.2% | $5,194-90.5% | $4,645-89.4% |