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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 | $48,026 | $28,624+67.8% | $53,647-10.5% | $82,637-41.9% |
| Participation rate | 48.1% | 47.3%+0.9pp | 56.3%-8.1pp | 68.1%-19.9pp |
| Annual return | 15.39% | 664.98%-649.6pp | 358.33%-342.9pp | 53.51%-38.1pp |
| Employer contribution / active EE | $1,227 | $637+92.8% | $962+27.6% | $2,552-51.9% |
| Participant deferral / active EE | $2,253 | $1,196+88.3% | $1,813+24.2% | $4,126-45.4% |
| Admin fee / account holder | $1,189 | $2,022-41.2% | $2,460-51.6% | $7,339-83.8% |