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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 | $78,476 | $39,036+101.0% | $80,784-2.9% | $85,851-8.6% |
| Participation rate | 61.0% | 41.6%+19.4pp | 54.2%+6.8pp | 69.3%-8.3pp |
| Annual return | 13.69% | 26.31%-12.6pp | 87.31%-73.6pp | 318.63%-304.9pp |
| Employer contribution / active EE | $1,268 | $722+75.6% | $1,160+9.3% | $2,565-50.6% |
| Participant deferral / active EE | $1,622 | $1,326+22.3% | $2,145-24.4% | $3,952-59.0% |
| Admin fee / account holder | $2,841 | $2,429+17.0% | $3,380-16.0% | $6,261-54.6% |