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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 | $28,100 | $49,199-42.9% | $121,210-76.8% | $75,177-62.6% |
| Participation rate | 54.2% | 55.4%-1.2pp | 69.5%-15.3pp | 67.2%-13.0pp |
| Annual return | 20.83% | 56.04%-35.2pp | 987.41%-966.6pp | 160.75%-139.9pp |
| Employer contribution / active EE | $1,505 | $1,547-2.7% | $4,171-63.9% | $2,671-43.6% |
| Participant deferral / active EE | $2,776 | $2,630+5.5% | $4,084-32.0% | $4,126-32.7% |
| Admin fee / account holder | $1,182 | $3,946-70.0% | $5,647-79.1% | $5,651-79.1% |