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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 | $16,020 | $39,798-59.7% | $67,704-76.3% | $59,633-73.1% |
| Participation rate | 52.9% | 57.4%-4.4pp | 67.5%-14.6pp | 68.7%-15.7pp |
| Annual return | 4.24% | 89.94%-85.7pp | 25.41%-21.2pp | 2041.40%-2037.2pp |
| Employer contribution / active EE | $1,377 | $1,393-1.2% | $2,559-46.2% | $2,203-37.5% |
| Participant deferral / active EE | $3,923 | $2,335+68.0% | $3,585+9.4% | $3,192+22.9% |
| Admin fee / account holder | $2,513 | $3,212-21.8% | $4,255-40.9% | $4,297-41.5% |