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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 | $41,610 | $110,337-62.3% | $102,383-59.4% | $145,877-71.5% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 51.37% | 24.83%+26.5pp | 24.94%+26.4pp | 551.28%-499.9pp |
| Employer contribution / active EE | $1,364 | $4,216-67.6% | $3,870-64.7% | $4,663-70.7% |
| Participant deferral / active EE | $4,008 | $5,621-28.7% | $5,060-20.8% | $6,691-40.1% |
| Admin fee / account holder | $1,699 | $9,750-82.6% | $8,391-79.8% | $13,402-87.3% |