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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 | $68,187 | $37,446+82.1% | $77,552-12.1% | $79,856-14.6% |
| Participation rate | 14.3% | 41.5%-27.2pp | 54.2%-39.9pp | 69.6%-55.4pp |
| Annual return | 562.63% | 39.76%+522.9pp | 54.82%+507.8pp | 31.71%+530.9pp |
| Employer contribution / active EE | $124 | $637-80.5% | $987-87.4% | $2,471-95.0% |
| Participant deferral / active EE | $1,448 | $1,261+14.8% | $1,861-22.2% | $3,741-61.3% |
| Admin fee / account holder | $513 | $2,506-79.5% | $2,859-82.0% | $5,306-90.3% |