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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 | $51,398 | $99,957-48.6% | $149,730-65.7% | $73,493-30.1% |
| Participation rate | 55.8% | 75.7%-19.9pp | 82.5%-26.7pp | 70.7%-14.9pp |
| Annual return | 17.17% | 53.87%-36.7pp | 276.70%-259.5pp | 28.51%-11.3pp |
| Employer contribution / active EE | $1,565 | $3,191-51.0% | $4,645-66.3% | $2,270-31.1% |
| Participant deferral / active EE | $5,667 | $6,073-6.7% | $6,843-17.2% | $3,740+51.5% |
| Admin fee / account holder | $3,131 | $551+468.5% | $9,310-66.4% | $513+510.1% |