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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 | $46,212 | $104,482-55.8% | $159,455-71.0% | $79,393-41.8% |
| Participation rate | 66.0% | 76.6%-10.6pp | 82.8%-16.8pp | 70.7%-4.7pp |
| Annual return | 18.65% | 67.96%-49.3pp | 263.63%-245.0pp | 116.87%-98.2pp |
| Employer contribution / active EE | $2,094 | $3,416-38.7% | $4,830-56.6% | $2,428-13.7% |
| Participant deferral / active EE | $4,274 | $6,467-33.9% | $7,353-41.9% | $4,046+5.6% |
| Admin fee / account holder | $1,953 | $711+174.6% | $10,800-81.9% | $627+211.7% |