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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 | $129,598 | $29,736+335.8% | $56,033+131.3% | $80,935+60.1% |
| Participation rate | 25.0% | 41.7%-16.7pp | 52.5%-27.5pp | 67.7%-42.7pp |
| Annual return | 13.47% | 35.28%-21.8pp | 1711.38%-1697.9pp | 35.66%-22.2pp |
| Employer contribution / active EE | $930 | $671+38.4% | $1,041-10.7% | $2,757-66.3% |
| Participant deferral / active EE | $1,899 | $1,228+54.6% | $1,954-2.8% | $4,299-55.8% |
| Admin fee / account holder | $1,438 | $2,434-40.9% | $2,827-49.2% | $6,924-79.2% |