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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 | $42,972 | $45,123-4.8% | $85,240-49.6% | $74,478-42.3% |
| Participation rate | 40.7% | 49.4%-8.6pp | 67.5%-26.8pp | 67.2%-26.5pp |
| Annual return | 26.70% | 26.32%+0.4pp | 66.75%-40.1pp | 1370.56%-1343.9pp |
| Employer contribution / active EE | $1,166 | $1,459-20.0% | $2,735-57.4% | $2,626-55.6% |
| Participant deferral / active EE | $1,626 | $2,736-40.6% | $4,527-64.1% | $4,350-62.6% |
| Admin fee / account holder | $1,181 | $2,215-46.7% | $6,165-80.8% | $1,946-39.3% |