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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 | $38,681 | $55,472-30.3% | $155,567-75.1% | $74,546-48.1% |
| Participation rate | 43.1% | 61.9%-18.9pp | 78.2%-35.1pp | 67.2%-24.2pp |
| Annual return | 15.36% | 268.72%-253.4pp | 64.74%-49.4pp | 1366.03%-1350.7pp |
| Employer contribution / active EE | $1,048 | $2,269-53.8% | $4,674-77.6% | $2,624-60.1% |
| Participant deferral / active EE | $2,043 | $2,838-28.0% | $5,628-63.7% | $4,347-53.0% |
| Admin fee / account holder | $1,021 | $1,743-41.4% | $15,916-93.6% | $1,944-47.5% |