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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 | $58,154 | $58,828-1.1% | $78,002-25.4% | $62,881-7.5% |
| Participation rate | 40.9% | 71.1%-30.2pp | 75.5%-34.6pp | 69.3%-28.4pp |
| Annual return | 7.79% | 17.16%-9.4pp | 425.99%-418.2pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,182 | $1,672-29.3% | $2,470-52.1% | $2,281-48.2% |
| Participant deferral / active EE | $2,153 | $2,686-19.8% | $3,497-38.4% | $3,203-32.8% |
| Admin fee / account holder | $1,490 | $4,393-66.1% | $5,481-72.8% | $4,296-65.3% |