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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 | $51,094 | $89,367-42.8% | $141,191-63.8% | $72,975-30.0% |
| Participation rate | 56.8% | 75.1%-18.3pp | 82.5%-25.7pp | 69.5%-12.7pp |
| Annual return | 28.75% | 111.87%-83.1pp | 71.41%-42.7pp | 81.01%-52.3pp |
| Employer contribution / active EE | $1,214 | $3,115-61.0% | $4,736-74.4% | $2,440-50.2% |
| Participant deferral / active EE | $2,900 | $5,419-46.5% | $6,710-56.8% | $3,608-19.6% |
| Admin fee / account holder | $1,403 | $5,957-76.4% | $10,264-86.3% | $5,124-72.6% |