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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 | $49,926 | $115,810-56.9% | $101,271-50.7% | $158,966-68.6% |
| Participation rate | 23.1% | 79.4%-56.3pp | 75.8%-52.7pp | 82.0%-58.9pp |
| Annual return | 22.42% | 56.15%-33.7pp | 46.48%-24.1pp | 302.95%-280.5pp |
| Employer contribution / active EE | $1,595 | $4,175-61.8% | $3,660-56.4% | $4,762-66.5% |
| Participant deferral / active EE | $1,973 | $4,958-60.2% | $4,371-54.9% | $5,983-67.0% |
| Admin fee / account holder | $449 | $7,248-93.8% | $5,948-92.5% | $11,250-96.0% |