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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 | $99,245 | $29,319+238.5% | $52,425+89.3% | $82,448+20.4% |
| Participation rate | 52.2% | 46.9%+5.3pp | 55.6%-3.4pp | 68.1%-15.9pp |
| Annual return | 15.44% | 535.20%-519.8pp | 302.12%-286.7pp | 41.64%-26.2pp |
| Employer contribution / active EE | $369 | $586-37.1% | $914-59.6% | $2,551-85.5% |
| Participant deferral / active EE | $1,186 | $1,171+1.3% | $1,790-33.8% | $4,139-71.3% |
| Admin fee / account holder | $2,128 | $1,962+8.5% | $2,495-14.7% | $7,234-70.6% |