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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 | $81,530 | $53,063+53.6% | $124,206-34.4% | $82,637-1.3% |
| Participation rate | 48.0% | 58.4%-10.4pp | 69.6%-21.6pp | 68.1%-20.1pp |
| Annual return | 14.28% | 68.87%-54.6pp | 515.27%-501.0pp | 53.51%-39.2pp |
| Employer contribution / active EE | $584 | $1,530-61.8% | $3,540-83.5% | $2,552-77.1% |
| Participant deferral / active EE | $3,526 | $2,644+33.4% | $3,968-11.1% | $4,126-14.5% |
| Admin fee / account holder | $2,102 | $4,281-50.9% | $5,929-64.5% | $7,339-71.4% |