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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 | $47,341 | $59,402-20.3% | $93,654-49.5% | $74,546-36.5% |
| Participation rate | 36.0% | 59.7%-23.7pp | 68.7%-32.7pp | 67.2%-31.2pp |
| Annual return | 12.86% | 81.86%-69.0pp | 133.34%-120.5pp | 1366.03%-1353.2pp |
| Employer contribution / active EE | $558 | $1,265-55.9% | $2,421-77.0% | $2,624-78.7% |
| Participant deferral / active EE | $2,263 | $3,049-25.8% | $4,413-48.7% | $4,347-47.9% |
| Admin fee / account holder | $1,386 | $3,023-54.2% | $8,282-83.3% | $1,944-28.7% |