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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 | $39,851 | $93,346-57.3% | $71,796-44.5% | $273,970-85.5% |
| Participation rate | 52.6% | 76.5%-23.9pp | 69.1%-16.5pp | 83.0%-30.4pp |
| Annual return | 4.93% | 130.39%-125.5pp | 78.04%-73.1pp | 41.46%-36.5pp |
| Employer contribution / active EE | $541 | $2,733-80.2% | $1,924-71.9% | $4,869-88.9% |
| Participant deferral / active EE | $1,738 | $3,475-50.0% | $2,794-37.8% | $5,287-67.1% |
| Admin fee / account holder | $2,088 | $6,571-68.2% | $4,815-56.6% | $10,132-79.4% |