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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 | $46,303 | $29,319+57.9% | $52,425-11.7% | $82,448-43.8% |
| Participation rate | 22.0% | 46.9%-24.8pp | 55.6%-33.6pp | 68.1%-46.0pp |
| Annual return | 15.34% | 535.20%-519.9pp | 302.12%-286.8pp | 41.64%-26.3pp |
| Employer contribution / active EE | $877 | $586+49.5% | $914-4.1% | $2,551-65.6% |
| Participant deferral / active EE | $2,191 | $1,171+87.1% | $1,790+22.4% | $4,139-47.1% |
| Admin fee / account holder | $2,441 | $1,962+24.4% | $2,495-2.2% | $7,234-66.3% |