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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 | $27,025 | $105,200-74.3% | $159,474-83.1% | $85,847-68.5% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.8%-32.8pp | 69.3%-19.3pp |
| Annual return | 23.94% | 45.08%-21.1pp | 263.68%-239.7pp | 318.61%-294.7pp |
| Employer contribution / active EE | $2,285 | $3,319-31.1% | $4,831-52.7% | $2,565-10.9% |
| Participant deferral / active EE | $3,458 | $5,946-41.8% | $7,353-53.0% | $3,952-12.5% |
| Admin fee / account holder | $1,061 | $6,934-84.7% | $10,802-90.2% | $6,261-83.1% |