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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 | $28,229 | $58,275-51.6% | $81,844-65.5% | $80,935-65.1% |
| Participation rate | 62.9% | 63.5%-0.6pp | 72.4%-9.5pp | 67.7%-4.8pp |
| Annual return | 14.33% | 41.82%-27.5pp | 778.87%-764.5pp | 35.66%-21.3pp |
| Employer contribution / active EE | $2,269 | $2,346-3.3% | $2,916-22.2% | $2,757-17.7% |
| Participant deferral / active EE | $2,796 | $3,285-14.9% | $4,323-35.3% | $4,299-35.0% |
| Admin fee / account holder | $3,693 | $4,749-22.2% | $7,355-49.8% | $6,924-46.7% |