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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 | $41,995 | $98,760-57.5% | $149,715-71.9% | $79,858-47.4% |
| Participation rate | 58.1% | 75.8%-17.7pp | 82.5%-24.4pp | 69.6%-11.6pp |
| Annual return | 16.44% | 27.43%-11.0pp | 276.66%-260.2pp | 31.72%-15.3pp |
| Employer contribution / active EE | $2,424 | $3,217-24.7% | $4,645-47.8% | $2,471-1.9% |
| Participant deferral / active EE | $8,566 | $5,681+50.8% | $6,842+25.2% | $3,740+129.0% |
| Admin fee / account holder | $803 | $6,053-86.7% | $9,310-91.4% | $5,306-84.9% |