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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 | $83,469 | $30,423+174.4% | $56,025+49.0% | $74,478+12.1% |
| Participation rate | 14.9% | 32.9%-17.9pp | 52.5%-37.6pp | 67.2%-52.3pp |
| Annual return | 15.04% | 24.97%-9.9pp | 1712.69%-1697.6pp | 1370.56%-1355.5pp |
| Employer contribution / active EE | $738 | $610+21.0% | $1,042-29.1% | $2,626-71.9% |
| Participant deferral / active EE | $1,443 | $1,176+22.7% | $1,955-26.2% | $4,350-66.8% |
| Admin fee / account holder | $3,218 | $2,363+36.2% | $2,828+13.8% | $1,946+65.4% |