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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 | $47,535 | $29,716+60.0% | $56,077-15.2% | $80,925-41.3% |
| Participation rate | 15.2% | 41.7%-26.5pp | 52.5%-37.3pp | 67.7%-52.4pp |
| Annual return | 11.21% | 35.30%-24.1pp | 1709.28%-1698.1pp | 35.65%-24.4pp |
| Employer contribution / active EE | $529 | $671-21.2% | $1,040-49.2% | $2,756-80.8% |
| Participant deferral / active EE | $801 | $1,228-34.8% | $1,954-59.0% | $4,299-81.4% |
| Admin fee / account holder | $4,382 | $2,432+80.2% | $2,825+55.1% | $6,940-36.9% |