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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 | $53,299 | $56,431-5.6% | $130,788-59.2% | $87,485-39.1% |
| Participation rate | 48.2% | 58.9%-10.7pp | 70.1%-21.9pp | 68.9%-20.7pp |
| Annual return | 15.79% | 91.27%-75.5pp | 386.44%-370.7pp | 26.06%-10.3pp |
| Employer contribution / active EE | $1,516 | $1,549-2.1% | $3,558-57.4% | $2,596-41.6% |
| Participant deferral / active EE | $2,504 | $2,749-8.9% | $4,137-39.5% | $4,274-41.4% |
| Admin fee / account holder | $1,007 | $4,433-77.3% | $6,673-84.9% | $7,775-87.1% |