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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 | $45,148 | $63,082-28.4% | $81,716-44.8% | $79,852-43.5% |
| Participation rate | 48.8% | 67.5%-18.7pp | 72.0%-23.2pp | 69.6%-20.8pp |
| Annual return | 358.00% | 22.66%+335.3pp | 29.49%+328.5pp | 31.72%+326.3pp |
| Employer contribution / active EE | $1,013 | $1,795-43.6% | $4,310-76.5% | $2,471-59.0% |
| Participant deferral / active EE | $2,740 | $2,780-1.4% | $7,108-61.4% | $3,740-26.7% |
| Admin fee / account holder | $496 | $4,428-88.8% | $5,159-90.4% | $5,306-90.6% |