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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 | $102,422-58.1% | $147,117-70.8% | $80,959-47.0% |
| Participation rate | 43.2% | 75.9%-32.6pp | 82.2%-38.9pp | 67.7%-24.4pp |
| Annual return | 15.18% | 135.16%-120.0pp | 420.54%-405.4pp | 35.67%-20.5pp |
| Employer contribution / active EE | $1,559 | $3,717-58.1% | $4,932-68.4% | $2,757-43.5% |
| Participant deferral / active EE | $2,694 | $6,652-59.5% | $8,065-66.6% | $4,300-37.4% |
| Admin fee / account holder | $3,537 | $7,953-55.5% | $12,993-72.8% | $6,925-48.9% |