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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 | $28,624+74.6% | $53,647-6.8% | $82,637-39.5% |
| Participation rate | 30.0% | 47.3%-17.3pp | 56.3%-26.3pp | 68.1%-38.1pp |
| Annual return | 17.11% | 664.98%-647.9pp | 358.33%-341.2pp | 53.51%-36.4pp |
| Employer contribution / active EE | $369 | $637-42.0% | $962-61.6% | $2,552-85.5% |
| Participant deferral / active EE | $2,226 | $1,196+86.1% | $1,813+22.7% | $4,126-46.1% |
| Admin fee / account holder | $971 | $2,022-52.0% | $2,460-60.5% | $7,339-86.8% |