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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 | $54,328 | $90,107-39.7% | $182,262-70.2% | $69,733-22.1% |
| Participation rate | 39.5% | 64.8%-25.3pp | 84.2%-44.7pp | 62.5%-23.0pp |
| Annual return | 20.07% | 95.58%-75.5pp | 140.60%-120.5pp | 15.22%+4.9pp |
| Employer contribution / active EE | $1,769 | $3,043-41.9% | $5,046-64.9% | $2,250-21.4% |
| Participant deferral / active EE | $2,688 | $5,135-47.7% | $8,276-67.5% | $3,054-12.0% |
| Admin fee / account holder | $4,183 | $3,377+23.9% | $16,712-75.0% | $3,102+34.9% |