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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 | $25,416 | $58,275-56.4% | $81,844-68.9% | $80,935-68.6% |
| Participation rate | 60.7% | 63.5%-2.8pp | 72.4%-11.7pp | 67.7%-6.9pp |
| Annual return | 14.74% | 41.82%-27.1pp | 778.87%-764.1pp | 35.66%-20.9pp |
| Employer contribution / active EE | $1,559 | $2,346-33.5% | $2,916-46.5% | $2,757-43.4% |
| Participant deferral / active EE | $2,180 | $3,285-33.6% | $4,323-49.6% | $4,299-49.3% |
| Admin fee / account holder | $2,559 | $4,749-46.1% | $7,355-65.2% | $6,924-63.0% |