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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 | $59,410 | $157,276-62.2% | $141,177-57.9% | $152,885-61.1% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 17.03% | 64.33%-47.3pp | 71.40%-54.4pp | 345.39%-328.4pp |
| Employer contribution / active EE | $1,906 | $5,262-63.8% | $4,736-59.7% | $4,763-60.0% |
| Participant deferral / active EE | $3,586 | $7,110-49.6% | $6,710-46.6% | $5,851-38.7% |
| Admin fee / account holder | $4,807 | $12,123-60.3% | $10,263-53.2% | $11,598-58.6% |