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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 | $56,116+45.3% | $135,768-39.9% | $86,983-6.3% |
| Participation rate | 48.0% | 60.1%-12.1pp | 71.1%-23.1pp | 69.5%-21.5pp |
| Annual return | 14.28% | 125.33%-111.0pp | 526.10%-511.8pp | 25.83%-11.6pp |
| Employer contribution / active EE | $584 | $1,528-61.7% | $3,394-82.8% | $2,584-77.4% |
| Participant deferral / active EE | $3,526 | $2,690+31.1% | $3,977-11.3% | $4,194-15.9% |
| Admin fee / account holder | $2,102 | $4,314-51.3% | $7,048-70.2% | $7,856-73.2% |