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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 | $111,814-62.8% | $103,378-59.7% | $145,978-71.5% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 51.37% | 24.80%+26.6pp | 24.91%+26.5pp | 550.52%-499.1pp |
| Employer contribution / active EE | $1,364 | $4,215-67.6% | $3,870-64.7% | $4,662-70.7% |
| Participant deferral / active EE | $4,008 | $5,618-28.7% | $5,058-20.7% | $6,690-40.1% |
| Admin fee / account holder | $1,699 | $9,764-82.6% | $8,401-79.8% | $13,400-87.3% |