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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 | $51,858 | $70,684-26.6% | $169,390-69.4% | $75,173-31.0% |
| Participation rate | 22.5% | 64.8%-42.3pp | 77.2%-54.7pp | 67.2%-44.7pp |
| Annual return | 20.51% | 36.38%-15.9pp | 406.07%-385.6pp | 160.72%-140.2pp |
| Employer contribution / active EE | $646 | $2,211-70.8% | $4,013-83.9% | $2,671-75.8% |
| Participant deferral / active EE | $1,594 | $4,310-63.0% | $6,222-74.4% | $4,126-61.4% |
| Admin fee / account holder | $317 | $5,404-94.1% | $9,015-96.5% | $5,651-94.4% |