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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 | $41,264 | $97,751-57.8% | $103,447-60.1% | $145,877-71.7% |
| Participation rate | 50.0% | 81.1%-31.1pp | 80.5%-30.5pp | 80.3%-30.3pp |
| Annual return | 15.28% | 25.43%-10.2pp | 23.92%-8.6pp | 551.28%-536.0pp |
| Employer contribution / active EE | $1,484 | $4,684-68.3% | $4,678-68.3% | $4,663-68.2% |
| Participant deferral / active EE | $4,487 | $6,603-32.1% | $6,624-32.3% | $6,691-32.9% |
| Admin fee / account holder | $9,446 | $12,515-24.5% | $9,415+0.3% | $13,402-29.5% |