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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 | $59,456-20.4% | $93,681-49.5% | $74,400-36.4% |
| Participation rate | 36.0% | 59.6%-23.6pp | 68.7%-32.7pp | 67.2%-31.2pp |
| Annual return | 12.86% | 82.00%-69.1pp | 133.47%-120.6pp | 1367.51%-1354.7pp |
| Employer contribution / active EE | $558 | $1,266-55.9% | $2,422-77.0% | $2,624-78.7% |
| Participant deferral / active EE | $2,263 | $3,052-25.8% | $4,415-48.7% | $4,348-48.0% |
| Admin fee / account holder | $1,386 | $3,026-54.2% | $8,290-83.3% | $1,944-28.7% |