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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 | $59,078 | $57,330+3.0% | $86,656-31.8% | $75,177-21.4% |
| Participation rate | 51.7% | 63.2%-11.5pp | 71.7%-20.0pp | 67.2%-15.5pp |
| Annual return | 14.16% | 2675.40%-2661.2pp | 593.09%-578.9pp | 160.75%-146.6pp |
| Employer contribution / active EE | $1,153 | $2,316-50.2% | $3,025-61.9% | $2,671-56.8% |
| Participant deferral / active EE | $1,856 | $3,320-44.1% | $4,439-58.2% | $4,126-55.0% |
| Admin fee / account holder | $4,991 | $4,115+21.3% | $5,619-11.2% | $5,651-11.7% |