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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 | $49,639 | $102,422-51.5% | $147,117-66.3% | $80,959-38.7% |
| Participation rate | 56.4% | 75.9%-19.5pp | 82.2%-25.8pp | 67.7%-11.3pp |
| Annual return | 13.80% | 135.16%-121.4pp | 420.54%-406.7pp | 35.67%-21.9pp |
| Employer contribution / active EE | $1,542 | $3,717-58.5% | $4,932-68.7% | $2,757-44.1% |
| Participant deferral / active EE | $3,670 | $6,652-44.8% | $8,065-54.5% | $4,300-14.7% |
| Admin fee / account holder | $7,977 | $7,953+0.3% | $12,993-38.6% | $6,925+15.2% |