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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 | $47,664 | $49,976-4.6% | $66,674-28.5% | $82,637-42.3% |
| Participation rate | 18.4% | 63.1%-44.7pp | 73.7%-55.3pp | 68.1%-49.6pp |
| Annual return | 21.86% | 39.09%-17.2pp | 321.24%-299.4pp | 53.51%-31.6pp |
| Employer contribution / active EE | $351 | $1,988-82.3% | $2,620-86.6% | $2,552-86.2% |
| Participant deferral / active EE | $2,192 | $2,847-23.0% | $4,084-46.3% | $4,126-46.9% |
| Admin fee / account holder | $2,637 | $4,594-42.6% | $5,098-48.3% | $7,339-64.1% |