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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 | $46,849 | $49,896-6.1% | $80,627-41.9% | $75,173-37.7% |
| Participation rate | 46.8% | 55.3%-8.5pp | 67.0%-20.2pp | 67.2%-20.4pp |
| Annual return | 17.18% | 34.67%-17.5pp | 936.76%-919.6pp | 160.72%-143.5pp |
| Employer contribution / active EE | $1,457 | $1,699-14.2% | $2,723-46.5% | $2,671-45.4% |
| Participant deferral / active EE | $2,745 | $2,992-8.3% | $4,443-38.2% | $4,126-33.5% |
| Admin fee / account holder | $10,133 | $3,578+183.2% | $5,381+88.3% | $5,651+79.3% |