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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 | $36,980 | $81,208-54.5% | $98,920-62.6% | $79,856-53.7% |
| Participation rate | 48.8% | 72.5%-23.8pp | 76.0%-27.3pp | 69.6%-20.9pp |
| Annual return | 19.12% | 60.99%-41.9pp | 196.47%-177.3pp | 31.71%-12.6pp |
| Employer contribution / active EE | $915 | $1,960-53.3% | $2,689-66.0% | $2,471-63.0% |
| Participant deferral / active EE | $2,203 | $3,265-32.5% | $4,245-48.1% | $3,741-41.1% |
| Admin fee / account holder | $462 | $6,013-92.3% | $6,643-93.0% | $5,306-91.3% |