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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 | $51,151 | $85,766-40.4% | $136,298-62.5% | $70,126-27.1% |
| Participation rate | 40.4% | 74.2%-33.8pp | 81.9%-41.6pp | 69.5%-29.2pp |
| Annual return | 18.07% | 31.46%-13.4pp | 5156.27%-5138.2pp | 73.15%-55.1pp |
| Employer contribution / active EE | $1,460 | $2,966-50.8% | $4,696-68.9% | $2,343-37.7% |
| Participant deferral / active EE | $3,134 | $5,051-38.0% | $6,247-49.8% | $3,332-5.9% |
| Admin fee / account holder | $2,333 | $5,421-57.0% | $9,244-74.8% | $4,645-49.8% |