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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 | $42,266 | $110,629-61.8% | $80,784-47.7% | $167,553-74.8% |
| Participation rate | 45.5% | 64.0%-18.5pp | 54.2%-8.7pp | 82.1%-36.7pp |
| Annual return | 19.32% | 120.58%-101.3pp | 87.31%-68.0pp | 478.89%-459.6pp |
| Employer contribution / active EE | $1,044 | $1,543-32.4% | $1,160-10.0% | $4,840-78.4% |
| Participant deferral / active EE | $2,981 | $2,871+3.9% | $2,145+39.0% | $6,343-53.0% |
| Admin fee / account holder | $4,631 | $4,547+1.9% | $3,380+37.0% | $12,316-62.4% |