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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 | $46,221 | $65,555-29.5% | $86,216-46.4% | $75,173-38.5% |
| Participation rate | 60.8% | 60.5%+0.3pp | 69.0%-8.2pp | 67.2%-6.4pp |
| Annual return | 29.28% | 46.07%-16.8pp | 1169.42%-1140.1pp | 160.72%-131.4pp |
| Employer contribution / active EE | $894 | $1,553-42.4% | $2,382-62.5% | $2,671-66.5% |
| Participant deferral / active EE | $3,717 | $3,023+22.9% | $3,986-6.8% | $4,126-9.9% |
| Admin fee / account holder | $1,911 | $5,469-65.1% | $6,853-72.1% | $5,651-66.2% |