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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 | $47,434 | $102,422-53.7% | $147,117-67.8% | $80,959-41.4% |
| Participation rate | 45.7% | 75.9%-30.2pp | 82.2%-36.5pp | 67.7%-22.0pp |
| Annual return | 12.51% | 135.16%-122.6pp | 420.54%-408.0pp | 35.67%-23.2pp |
| Employer contribution / active EE | $1,801 | $3,717-51.6% | $4,932-63.5% | $2,757-34.7% |
| Participant deferral / active EE | $3,786 | $6,652-43.1% | $8,065-53.1% | $4,300-12.0% |
| Admin fee / account holder | $9,130 | $7,953+14.8% | $12,993-29.7% | $6,925+31.8% |