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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 | $103,409 | $29,319+252.7% | $52,425+97.3% | $82,448+25.4% |
| Participation rate | 55.6% | 46.9%+8.7pp | 55.6%-0.1pp | 68.1%-12.5pp |
| Annual return | 17.49% | 535.20%-517.7pp | 302.12%-284.6pp | 41.64%-24.1pp |
| Employer contribution / active EE | $1,540 | $586+162.6% | $914+68.5% | $2,551-39.6% |
| Participant deferral / active EE | $2,779 | $1,171+137.2% | $1,790+55.2% | $4,139-32.9% |
| Admin fee / account holder | $3,004 | $1,962+53.1% | $2,495+20.4% | $7,234-58.5% |