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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 | $52,196 | $107,944-51.6% | $91,994-43.3% | $152,885-65.9% |
| Participation rate | 38.5% | 81.2%-42.7pp | 78.6%-40.2pp | 82.5%-44.0pp |
| Annual return | 19.06% | 89.26%-70.2pp | 69.03%-50.0pp | 345.39%-326.3pp |
| Employer contribution / active EE | $1,287 | $4,210-69.4% | $3,452-62.7% | $4,763-73.0% |
| Participant deferral / active EE | $2,552 | $6,365-59.9% | $5,923-56.9% | $5,851-56.4% |
| Admin fee / account holder | $13,943 | $10,521+32.5% | $7,743+80.1% | $11,598+20.2% |