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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 | $118,117 | $176,838-33.2% | $146,685-19.5% | $167,518-29.5% |
| Participation rate | 40.0% | 83.6%-43.6pp | 80.1%-40.1pp | 82.1%-42.1pp |
| Annual return | 15.84% | 24.04%-8.2pp | 22.75%-6.9pp | 478.71%-462.9pp |
| Employer contribution / active EE | $1,285 | $5,161-75.1% | $4,137-68.9% | $4,838-73.4% |
| Participant deferral / active EE | $2,604 | $6,441-59.6% | $5,507-52.7% | $6,342-58.9% |
| Admin fee / account holder | $23,509 | $13,262+77.3% | $10,281+128.7% | $12,312+90.9% |