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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 | $47,886 | $103,008-53.5% | $90,304-47.0% | $152,897-68.7% |
| Participation rate | 50.0% | 75.9%-25.9pp | 73.3%-23.3pp | 82.5%-32.5pp |
| Annual return | 24.81% | 95.22%-70.4pp | 78.13%-53.3pp | 345.43%-320.6pp |
| Employer contribution / active EE | $2,475 | $3,139-21.2% | $2,855-13.3% | $4,764-48.0% |
| Participant deferral / active EE | $3,275 | $4,281-23.5% | $3,885-15.7% | $5,851-44.0% |
| Admin fee / account holder | $7,756 | $6,175+25.6% | $5,354+44.9% | $11,599-33.1% |