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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 | $43,390 | $49,199-11.8% | $121,204-64.2% | $75,173-42.3% |
| Participation rate | 27.9% | 55.4%-27.5pp | 69.5%-41.6pp | 67.2%-39.3pp |
| Annual return | 16.16% | 56.04%-39.9pp | 987.18%-971.0pp | 160.72%-144.6pp |
| Employer contribution / active EE | $1,194 | $1,547-22.9% | $4,170-71.4% | $2,671-55.3% |
| Participant deferral / active EE | $2,506 | $2,630-4.7% | $4,083-38.6% | $4,126-39.3% |
| Admin fee / account holder | $3,095 | $3,946-21.6% | $5,651-45.2% | $5,651-45.2% |