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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 | $50,813 | $70,684-28.1% | $169,390-70.0% | $75,173-32.4% |
| Participation rate | 41.7% | 64.8%-23.1pp | 77.2%-35.5pp | 67.2%-25.5pp |
| Annual return | 23.72% | 36.38%-12.7pp | 406.07%-382.4pp | 160.72%-137.0pp |
| Employer contribution / active EE | $1,567 | $2,211-29.1% | $4,013-60.9% | $2,671-41.3% |
| Participant deferral / active EE | $2,261 | $4,310-47.5% | $6,222-63.7% | $4,126-45.2% |
| Admin fee / account holder | $1,274 | $5,404-76.4% | $9,015-85.9% | $5,651-77.5% |