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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 | $28,624+61.8% | $53,647-13.7% | $82,637-44.0% |
| Participation rate | 22.0% | 47.3%-25.2pp | 56.3%-34.2pp | 68.1%-46.0pp |
| Annual return | 15.34% | 664.98%-649.6pp | 358.33%-343.0pp | 53.51%-38.2pp |
| Employer contribution / active EE | $877 | $637+37.8% | $962-8.8% | $2,552-65.6% |
| Participant deferral / active EE | $2,191 | $1,196+83.2% | $1,813+20.8% | $4,126-46.9% |
| Admin fee / account holder | $2,441 | $2,022+20.7% | $2,460-0.8% | $7,339-66.7% |