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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 | $62,992 | $27,943+125.4% | $58,507+7.7% | $75,177-16.2% |
| Participation rate | 59.3% | 38.8%+20.4pp | 50.9%+8.4pp | 67.2%-7.9pp |
| Annual return | 17.43% | 44.22%-26.8pp | 4252.32%-4234.9pp | 160.75%-143.3pp |
| Employer contribution / active EE | $2,155 | $670+221.7% | $1,053+104.6% | $2,671-19.3% |
| Participant deferral / active EE | $4,384 | $1,202+264.7% | $1,922+128.0% | $4,126+6.2% |
| Admin fee / account holder | $793 | $1,727-54.1% | $2,486-68.1% | $5,651-86.0% |