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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 | $80,867 | $34,316+135.7% | $74,722+8.2% | $72,975+10.8% |
| Participation rate | 24.2% | 42.4%-18.2pp | 54.5%-30.3pp | 69.5%-45.3pp |
| Annual return | 19.75% | 26.58%-6.8pp | 753.11%-733.4pp | 81.01%-61.3pp |
| Employer contribution / active EE | $805 | $692+16.3% | $1,084-25.8% | $2,440-67.0% |
| Participant deferral / active EE | $777 | $1,272-38.9% | $1,963-60.4% | $3,608-78.5% |
| Admin fee / account holder | $569 | $2,125-73.2% | $3,335-82.9% | $5,124-88.9% |