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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 | $48,457 | $63,346-23.5% | $92,240-47.5% | $70,126-30.9% |
| Participation rate | 35.2% | 68.7%-33.5pp | 76.5%-41.3pp | 69.5%-34.4pp |
| Annual return | 22.92% | 530.19%-507.3pp | 176.29%-153.4pp | 73.15%-50.2pp |
| Employer contribution / active EE | $733 | $2,471-70.3% | $3,680-80.1% | $2,343-68.7% |
| Participant deferral / active EE | $1,638 | $2,854-42.6% | $3,897-58.0% | $3,332-50.8% |
| Admin fee / account holder | $2,599 | $3,841-32.3% | $5,194-50.0% | $4,645-44.1% |