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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 | $42,933 | $102,429-58.1% | $147,096-70.8% | $80,925-46.9% |
| Participation rate | 43.2% | 75.9%-32.6pp | 82.2%-38.9pp | 67.7%-24.4pp |
| Annual return | 15.18% | 135.02%-119.8pp | 419.75%-404.6pp | 35.65%-20.5pp |
| Employer contribution / active EE | $1,559 | $3,716-58.0% | $4,936-68.4% | $2,756-43.4% |
| Participant deferral / active EE | $2,694 | $6,649-59.5% | $8,071-66.6% | $4,299-37.3% |
| Admin fee / account holder | $3,537 | $7,957-55.5% | $13,005-72.8% | $6,940-49.0% |