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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 | $38,366 | $29,319+30.9% | $52,425-26.8% | $82,448-53.5% |
| Participation rate | 6.9% | 46.9%-40.0pp | 55.6%-48.7pp | 68.1%-61.2pp |
| Annual return | 17.01% | 535.20%-518.2pp | 302.12%-285.1pp | 41.64%-24.6pp |
| Employer contribution / active EE | $1,888 | $586+221.9% | $914+106.5% | $2,551-26.0% |
| Participant deferral / active EE | $2,293 | $1,171+95.8% | $1,790+28.1% | $4,139-44.6% |
| Admin fee / account holder | $12,589 | $1,962+541.6% | $2,495+404.6% | $7,234+74.0% |