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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 | $48,112 | $39,028+23.3% | $80,741-40.4% | $85,847-44.0% |
| Participation rate | 48.6% | 41.6%+7.0pp | 54.2%-5.6pp | 69.3%-20.7pp |
| Annual return | 13.10% | 26.31%-13.2pp | 87.30%-74.2pp | 318.61%-305.5pp |
| Employer contribution / active EE | $265 | $722-63.3% | $1,160-77.1% | $2,565-89.7% |
| Participant deferral / active EE | $1,147 | $1,326-13.5% | $2,145-46.5% | $3,952-71.0% |
| Admin fee / account holder | $2,613 | $2,429+7.6% | $3,380-22.7% | $6,261-58.3% |