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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 | $55,446-12.3% | $155,574-68.8% | $74,429-34.7% |
| Participation rate | 45.2% | 61.9%-16.7pp | 78.2%-33.1pp | 67.2%-22.1pp |
| Annual return | 12.65% | 269.20%-256.5pp | 64.87%-52.2pp | 1368.38%-1355.7pp |
| Employer contribution / active EE | $1,737 | $2,266-23.3% | $4,676-62.8% | $2,625-33.8% |
| Participant deferral / active EE | $3,619 | $2,836+27.6% | $5,629-35.7% | $4,348-16.8% |
| Admin fee / account holder | $11,355 | $1,743+551.5% | $15,914-28.7% | $1,944+484.0% |