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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 | $39,665 | $65,555-39.5% | $86,216-54.0% | $75,173-47.2% |
| Participation rate | 45.7% | 60.5%-14.8pp | 69.0%-23.3pp | 67.2%-21.6pp |
| Annual return | 22.54% | 46.07%-23.5pp | 1169.42%-1146.9pp | 160.72%-138.2pp |
| Employer contribution / active EE | $1,395 | $1,553-10.2% | $2,382-41.4% | $2,671-47.8% |
| Participant deferral / active EE | $4,163 | $3,023+37.7% | $3,986+4.4% | $4,126+0.9% |
| Admin fee / account holder | $411 | $5,469-92.5% | $6,853-94.0% | $5,651-92.7% |