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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 | $54,480 | $43,730+24.6% | $66,674-18.3% | $64,097-15.0% |
| Participation rate | 22.9% | 50.7%-27.9pp | 73.7%-50.8pp | 55.2%-32.3pp |
| Annual return | 19.93% | 53.62%-33.7pp | 321.24%-301.3pp | 34.64%-14.7pp |
| Employer contribution / active EE | $732 | $1,673-56.3% | $2,620-72.1% | $1,891-61.3% |
| Participant deferral / active EE | $1,550 | $2,122-27.0% | $4,084-62.1% | $3,080-49.7% |
| Admin fee / account holder | $3,738 | $2,708+38.0% | $5,098-26.7% | $3,454+8.2% |