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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 | $52,623 | $102,422-48.6% | $147,117-64.2% | $80,959-35.0% |
| Participation rate | 38.2% | 75.9%-37.6pp | 82.2%-43.9pp | 67.7%-29.4pp |
| Annual return | 18.57% | 135.16%-116.6pp | 420.54%-402.0pp | 35.67%-17.1pp |
| Employer contribution / active EE | $2,452 | $3,717-34.0% | $4,932-50.3% | $2,757-11.1% |
| Participant deferral / active EE | $4,606 | $6,652-30.8% | $8,065-42.9% | $4,300+7.1% |
| Admin fee / account holder | $2,997 | $7,953-62.3% | $12,993-76.9% | $6,925-56.7% |