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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 | $48,617 | $83,369-41.7% | $105,223-53.8% | $67,986-28.5% |
| Participation rate | 36.5% | 56.3%-19.7pp | 75.0%-38.5pp | 57.2%-20.7pp |
| Annual return | 20.14% | 24.64%-4.5pp | 180.65%-160.5pp | 31.67%-11.5pp |
| Employer contribution / active EE | $1,621 | $2,541-36.2% | $3,689-56.1% | $2,019-19.7% |
| Participant deferral / active EE | $3,503 | $3,295+6.3% | $5,072-30.9% | $3,358+4.3% |
| Admin fee / account holder | $2,371 | $4,073-41.8% | $8,859-73.2% | $3,203-26.0% |