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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 | $64,965 | $28,624+127.0% | $53,647+21.1% | $82,637-21.4% |
| Participation rate | 51.7% | 47.3%+4.5pp | 56.3%-4.6pp | 68.1%-16.3pp |
| Annual return | 16.38% | 664.98%-648.6pp | 358.33%-342.0pp | 53.51%-37.1pp |
| Employer contribution / active EE | $1,416 | $637+122.5% | $962+47.2% | $2,552-44.5% |
| Participant deferral / active EE | $2,056 | $1,196+71.9% | $1,813+13.4% | $4,126-50.2% |
| Admin fee / account holder | $3,061 | $2,022+51.4% | $2,460+24.5% | $7,339-58.3% |