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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 | $51,350 | $58,726-12.6% | $92,236-44.3% | $62,293-17.6% |
| Participation rate | 27.7% | 68.3%-40.6pp | 76.5%-48.8pp | 69.5%-41.8pp |
| Annual return | 18.62% | 43.62%-25.0pp | 176.29%-157.7pp | 28.90%-10.3pp |
| Employer contribution / active EE | $851 | $2,392-64.4% | $3,679-76.9% | $2,042-58.3% |
| Participant deferral / active EE | $2,278 | $2,766-17.6% | $3,897-41.5% | $3,169-28.1% |
| Admin fee / account holder | $1,811 | $556+225.4% | $5,194-65.1% | $479+277.7% |