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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 | $48,904 | $112,131-56.4% | $95,964-49.0% | $158,982-69.2% |
| Participation rate | 30.8% | 79.0%-48.2pp | 77.1%-46.3pp | 82.0%-51.2pp |
| Annual return | 13.04% | 171.19%-158.1pp | 91.64%-78.6pp | 302.99%-290.0pp |
| Employer contribution / active EE | $1,510 | $3,199-52.8% | $2,541-40.6% | $4,763-68.3% |
| Participant deferral / active EE | $2,750 | $4,784-42.5% | $4,167-34.0% | $5,983-54.0% |
| Admin fee / account holder | $618 | $10,136-93.9% | $6,797-90.9% | $11,252-94.5% |