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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 | $48,609 | $55,470-12.4% | $155,556-68.8% | $74,478-34.7% |
| Participation rate | 45.2% | 61.9%-16.7pp | 78.2%-33.1pp | 67.2%-22.1pp |
| Annual return | 12.65% | 269.80%-257.2pp | 64.84%-52.2pp | 1370.56%-1357.9pp |
| Employer contribution / active EE | $1,737 | $2,267-23.4% | $4,675-62.8% | $2,626-33.9% |
| Participant deferral / active EE | $3,619 | $2,838+27.5% | $5,631-35.7% | $4,350-16.8% |
| Admin fee / account holder | $11,355 | $1,744+551.0% | $15,885-28.5% | $1,946+483.6% |