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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 | $44,866 | $63,346-29.2% | $92,240-51.4% | $70,126-36.0% |
| Participation rate | 54.8% | 68.7%-13.9pp | 76.5%-21.7pp | 69.5%-14.8pp |
| Annual return | 17.53% | 530.19%-512.7pp | 176.29%-158.8pp | 73.15%-55.6pp |
| Employer contribution / active EE | $890 | $2,471-64.0% | $3,680-75.8% | $2,343-62.0% |
| Participant deferral / active EE | $2,145 | $2,854-24.8% | $3,897-45.0% | $3,332-35.6% |
| Admin fee / account holder | $1,436 | $3,841-62.6% | $5,194-72.3% | $4,645-69.1% |