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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 | $42,179 | $55,449-23.9% | $83,831-49.7% | $56,289-25.1% |
| Participation rate | 46.2% | 68.0%-21.9pp | 76.1%-30.0pp | 69.9%-23.7pp |
| Annual return | 33.84% | -1.38%+35.2pp | 850.99%-817.1pp | -9.96%+43.8pp |
| Employer contribution / active EE | $1,471 | $2,430-39.5% | $3,631-59.5% | $2,111-30.3% |
| Participant deferral / active EE | $2,287 | $2,935-22.1% | $4,082-44.0% | $3,350-31.7% |
| Admin fee / account holder | $4,046 | $656+516.8% | $5,479-26.2% | $521+676.6% |