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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 | $49,974 | $29,319+70.4% | $52,425-4.7% | $82,448-39.4% |
| Participation rate | 30.0% | 46.9%-16.9pp | 55.6%-25.6pp | 68.1%-38.1pp |
| Annual return | 17.11% | 535.20%-518.1pp | 302.12%-285.0pp | 41.64%-24.5pp |
| Employer contribution / active EE | $369 | $586-37.1% | $914-59.6% | $2,551-85.5% |
| Participant deferral / active EE | $2,226 | $1,171+90.0% | $1,790+24.3% | $4,139-46.2% |
| Admin fee / account holder | $971 | $1,962-50.5% | $2,495-61.1% | $7,234-86.6% |