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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 | $75,285 | $51,736+45.5% | $120,225-37.4% | $67,986+10.7% |
| Participation rate | 41.3% | 46.1%-4.8pp | 69.6%-28.3pp | 57.2%-15.9pp |
| Annual return | 14.73% | 31.98%-17.2pp | 439.23%-424.5pp | 31.67%-16.9pp |
| Employer contribution / active EE | $532 | $1,071-50.4% | $3,475-84.7% | $2,019-73.6% |
| Participant deferral / active EE | $1,898 | $2,206-14.0% | $3,999-52.5% | $3,358-43.5% |
| Admin fee / account holder | $10,427 | $4,159+150.7% | $5,696+83.0% | $3,203+225.5% |