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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 | $48,532 | $124,346-61.0% | $111,308-56.4% | $167,536-71.0% |
| Participation rate | 55.0% | 79.6%-24.6pp | 77.3%-22.3pp | 82.1%-27.1pp |
| Annual return | 44.05% | 37.45%+6.6pp | 54.67%-10.6pp | 478.82%-434.8pp |
| Employer contribution / active EE | $1,164 | $3,437-66.1% | $2,732-57.4% | $4,839-75.9% |
| Participant deferral / active EE | $2,336 | $5,182-54.9% | $4,487-47.9% | $6,342-63.2% |
| Admin fee / account holder | $1,472 | $10,621-86.1% | $7,965-81.5% | $12,315-88.0% |