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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 | $42,448 | $70,666-39.9% | $169,385-74.9% | $75,181-43.5% |
| Participation rate | 50.0% | 64.8%-14.8pp | 77.2%-27.2pp | 67.2%-17.2pp |
| Annual return | 22.82% | 36.37%-13.5pp | 405.82%-383.0pp | 160.69%-137.9pp |
| Employer contribution / active EE | $1,437 | $2,210-35.0% | $4,012-64.2% | $2,671-46.2% |
| Participant deferral / active EE | $4,692 | $4,308+8.9% | $6,221-24.6% | $4,126+13.7% |
| Admin fee / account holder | $538 | $5,402-90.0% | $9,011-94.0% | $5,650-90.5% |