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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 | $43,546 | $105,198-58.6% | $159,455-72.7% | $85,856-49.3% |
| Participation rate | 52.8% | 75.8%-23.0pp | 82.8%-30.0pp | 69.3%-16.5pp |
| Annual return | 19.53% | 45.08%-25.6pp | 263.63%-244.1pp | 318.58%-299.1pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,830-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,424 | $5,946-25.6% | $7,353-39.8% | $3,952+11.9% |
| Admin fee / account holder | $3,267 | $6,934-52.9% | $10,800-69.7% | $6,261-47.8% |