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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 | $64,635 | $24,618+162.6% | $71,585-9.7% | $82,637-21.8% |
| Participation rate | 51.3% | 68.2%-16.9pp | 68.2%-16.8pp | 68.1%-16.7pp |
| Annual return | 19.03% | 93.17%-74.1pp | 59.26%-40.2pp | 53.51%-34.5pp |
| Employer contribution / active EE | $313 | $852-63.2% | $1,669-81.2% | $2,552-87.7% |
| Participant deferral / active EE | $1,993 | $1,720+15.9% | $2,923-31.8% | $4,126-51.7% |
| Admin fee / account holder | $4,072 | $3,285+24.0% | $4,712-13.6% | $7,339-44.5% |