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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 | $37,488 | $100,203-62.6% | $85,240-56.0% | $145,897-74.3% |
| Participation rate | 47.8% | 74.1%-26.3pp | 67.5%-19.7pp | 80.3%-32.5pp |
| Annual return | 12.04% | 84.28%-72.2pp | 66.75%-54.7pp | 552.29%-540.3pp |
| Employer contribution / active EE | $1,829 | $3,242-43.6% | $2,735-33.1% | $4,663-60.8% |
| Participant deferral / active EE | $4,567 | $5,299-13.8% | $4,527+0.9% | $6,689-31.7% |
| Admin fee / account holder | $2,748 | $7,265-62.2% | $6,165-55.4% | $13,390-79.5% |