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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 | $55,423-12.3% | $155,602-68.8% | $74,400-34.7% |
| Participation rate | 45.2% | 61.9%-16.7pp | 78.2%-33.0pp | 67.2%-22.1pp |
| Annual return | 12.65% | 269.07%-256.4pp | 64.81%-52.2pp | 1367.51%-1354.9pp |
| Employer contribution / active EE | $1,737 | $2,266-23.3% | $4,675-62.8% | $2,624-33.8% |
| Participant deferral / active EE | $3,619 | $2,835+27.7% | $5,629-35.7% | $4,348-16.8% |
| Admin fee / account holder | $11,355 | $1,744+550.9% | $15,923-28.7% | $1,944+484.2% |