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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 | $32,236 | $59,467-45.8% | $93,727-65.6% | $74,478-56.7% |
| Participation rate | 47.2% | 59.6%-12.4pp | 68.7%-21.5pp | 67.2%-20.1pp |
| Annual return | 21.96% | 82.14%-60.2pp | 133.83%-111.9pp | 1370.56%-1348.6pp |
| Employer contribution / active EE | $1,403 | $1,267+10.8% | $2,421-42.0% | $2,626-46.6% |
| Participant deferral / active EE | $2,238 | $3,052-26.6% | $4,417-49.3% | $4,350-48.5% |
| Admin fee / account holder | $953 | $3,028-68.5% | $8,292-88.5% | $1,946-51.0% |