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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 | $44,976 | $124,330-63.8% | $109,173-58.8% | $167,536-73.2% |
| Participation rate | 50.0% | 79.5%-29.5pp | 75.9%-25.9pp | 82.1%-32.1pp |
| Annual return | 13.44% | 26.04%-12.6pp | 25.75%-12.3pp | 478.82%-465.4pp |
| Employer contribution / active EE | $1,483 | $4,209-64.8% | $3,723-60.2% | $4,839-69.4% |
| Participant deferral / active EE | $4,129 | $5,256-21.5% | $4,654-11.3% | $6,342-34.9% |
| Admin fee / account holder | $8,031 | $7,974+0.7% | $6,755+18.9% | $12,315-34.8% |