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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 | $95,933 | $29,319+227.2% | $52,425+83.0% | $82,448+16.4% |
| Participation rate | 60.0% | 46.9%+13.1pp | 55.6%+4.4pp | 68.1%-8.1pp |
| Annual return | 18.23% | 535.20%-517.0pp | 302.12%-283.9pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,406 | $586+139.8% | $914+53.8% | $2,551-44.9% |
| Participant deferral / active EE | $4,365 | $1,171+272.7% | $1,790+143.8% | $4,139+5.5% |
| Admin fee / account holder | $932 | $1,962-52.5% | $2,495-62.6% | $7,234-87.1% |