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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 | $83,746 | $60,504+38.4% | $81,882+2.3% | $74,478+12.4% |
| Participation rate | 35.6% | 62.9%-27.3pp | 72.4%-36.8pp | 67.2%-31.6pp |
| Annual return | 15.65% | 16.91%-1.3pp | 779.47%-763.8pp | 1370.56%-1354.9pp |
| Employer contribution / active EE | $873 | $2,627-66.8% | $2,916-70.1% | $2,626-66.8% |
| Participant deferral / active EE | $2,774 | $3,400-18.4% | $4,323-35.8% | $4,350-36.2% |
| Admin fee / account holder | $3,086 | $1,492+106.9% | $7,360-58.1% | $1,946+58.6% |