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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 | $41,719 | $154,209-72.9% | $130,062-67.9% | $139,487-70.1% |
| Participation rate | 57.9% | 82.0%-24.1pp | 78.5%-20.6pp | 80.3%-22.4pp |
| Annual return | 26.75% | 32.52%-5.8pp | -137.37%+164.1pp | 373.84%-347.1pp |
| Employer contribution / active EE | $2,093 | $5,292-60.5% | $4,322-51.6% | $4,755-56.0% |
| Participant deferral / active EE | $5,108 | $6,709-23.9% | $5,821-12.2% | $6,713-23.9% |
| Admin fee / account holder | $1,203 | $13,988-91.4% | $10,601-88.7% | $11,407-89.5% |