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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 | $77,253 | $27,943+176.5% | $58,507+32.0% | $75,177+2.8% |
| Participation rate | 46.3% | 38.8%+7.5pp | 50.9%-4.5pp | 67.2%-20.9pp |
| Annual return | 19.84% | 44.22%-24.4pp | 4252.32%-4232.5pp | 160.75%-140.9pp |
| Employer contribution / active EE | $975 | $670+45.6% | $1,053-7.4% | $2,671-63.5% |
| Participant deferral / active EE | $1,808 | $1,202+50.4% | $1,922-6.0% | $4,126-56.2% |
| Admin fee / account holder | $2,079 | $1,727+20.4% | $2,486-16.4% | $5,651-63.2% |