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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 | $109,119 | $49,897+118.7% | $80,648+35.3% | $75,177+45.1% |
| Participation rate | 15.4% | 55.3%-39.9pp | 67.0%-51.6pp | 67.2%-51.8pp |
| Annual return | 18.60% | 34.68%-16.1pp | 937.21%-918.6pp | 160.75%-142.1pp |
| Employer contribution / active EE | $778 | $1,699-54.2% | $2,724-71.4% | $2,671-70.9% |
| Participant deferral / active EE | $4,038 | $2,992+35.0% | $4,443-9.1% | $4,126-2.1% |
| Admin fee / account holder | $508 | $3,579-85.8% | $5,382-90.6% | $5,651-91.0% |