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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 | $47,545 | $63,346-24.9% | $92,240-48.5% | $70,126-32.2% |
| Participation rate | 48.3% | 68.7%-20.4pp | 76.5%-28.2pp | 69.5%-21.3pp |
| Annual return | 17.80% | 530.19%-512.4pp | 176.29%-158.5pp | 73.15%-55.4pp |
| Employer contribution / active EE | $3,264 | $2,471+32.1% | $3,680-11.3% | $2,343+39.3% |
| Participant deferral / active EE | $2,475 | $2,854-13.3% | $3,897-36.5% | $3,332-25.7% |
| Admin fee / account holder | $1,676 | $3,841-56.4% | $5,194-67.7% | $4,645-63.9% |