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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 | $29,667+336.8% | $56,441+129.6% | $80,874+60.2% |
| Participation rate | 25.0% | 41.7%-16.7pp | 52.5%-27.5pp | 67.6%-42.6pp |
| Annual return | 13.47% | 35.22%-21.8pp | 1704.21%-1690.7pp | 35.62%-22.1pp |
| Employer contribution / active EE | $930 | $669+38.9% | $1,039-10.5% | $2,756-66.3% |
| Participant deferral / active EE | $1,899 | $1,227+54.8% | $1,953-2.8% | $4,297-55.8% |
| Admin fee / account holder | $1,438 | $2,429-40.8% | $2,829-49.2% | $6,935-79.3% |