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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 | $40,055 | $106,918-62.5% | $84,021-52.3% | $152,897-73.8% |
| Participation rate | 44.4% | 75.2%-30.8pp | 69.0%-24.6pp | 82.5%-38.0pp |
| Annual return | 21.66% | 105.01%-83.3pp | 71.32%-49.7pp | 345.43%-323.8pp |
| Employer contribution / active EE | $1,842 | $2,735-32.7% | $1,984-7.2% | $4,764-61.3% |
| Participant deferral / active EE | $3,756 | $4,012-6.4% | $3,239+16.0% | $5,851-35.8% |
| Admin fee / account holder | $4,572 | $8,288-44.8% | $6,102-25.1% | $11,599-60.6% |