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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 | $47,034 | $60,128-21.8% | $90,440-48.0% | $79,852-41.1% |
| Participation rate | 69.2% | 65.0%+4.2pp | 72.7%-3.5pp | 69.6%-0.4pp |
| Annual return | 12.39% | 71.95%-59.6pp | 1294.38%-1282.0pp | 31.72%-19.3pp |
| Employer contribution / active EE | $1,036 | $2,068-49.9% | $3,263-68.2% | $2,471-58.1% |
| Participant deferral / active EE | $1,334 | $2,939-54.6% | $3,964-66.4% | $3,740-64.3% |
| Admin fee / account holder | $9,210 | $3,977+131.6% | $5,615+64.0% | $5,306+73.6% |