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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 | $55,423-30.2% | $155,602-75.1% | $74,400-48.0% |
| Participation rate | 43.1% | 61.9%-18.8pp | 78.2%-35.1pp | 67.2%-24.2pp |
| Annual return | 15.36% | 269.07%-253.7pp | 64.81%-49.5pp | 1367.51%-1352.2pp |
| Employer contribution / active EE | $1,048 | $2,266-53.7% | $4,675-77.6% | $2,624-60.1% |
| Participant deferral / active EE | $2,043 | $2,835-27.9% | $5,629-63.7% | $4,348-53.0% |
| Admin fee / account holder | $1,021 | $1,744-41.5% | $15,923-93.6% | $1,944-47.5% |