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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 | $44,496 | $85,171-47.8% | $172,753-74.2% | $72,976-39.0% |
| Participation rate | 39.3% | 70.1%-30.7pp | 82.6%-43.3pp | 69.5%-30.1pp |
| Annual return | 19.77% | 27.32%-7.6pp | 803.00%-783.2pp | 81.02%-61.3pp |
| Employer contribution / active EE | $1,359 | $3,324-59.1% | $5,144-73.6% | $2,440-44.3% |
| Participant deferral / active EE | $2,178 | $3,260-33.2% | $5,198-58.1% | $3,608-39.6% |
| Admin fee / account holder | $9,543 | $5,880+62.3% | $13,956-31.6% | $5,124+86.2% |