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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 | $39,061 | $102,429-61.9% | $147,096-73.4% | $80,925-51.7% |
| Participation rate | 51.4% | 75.9%-24.4pp | 82.2%-30.8pp | 67.7%-16.2pp |
| Annual return | 21.02% | 135.02%-114.0pp | 419.75%-398.7pp | 35.65%-14.6pp |
| Employer contribution / active EE | $5,171 | $3,716+39.2% | $4,936+4.8% | $2,756+87.6% |
| Participant deferral / active EE | $3,064 | $6,649-53.9% | $8,071-62.0% | $4,299-28.7% |
| Admin fee / account holder | $4,665 | $7,957-41.4% | $13,005-64.1% | $6,940-32.8% |