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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 | $55,488 | $98,776-43.8% | $149,745-62.9% | $79,856-30.5% |
| Participation rate | 41.9% | 75.8%-33.9pp | 82.5%-40.5pp | 69.6%-27.7pp |
| Annual return | 18.74% | 27.38%-8.6pp | 276.72%-258.0pp | 31.71%-13.0pp |
| Employer contribution / active EE | $1,440 | $3,217-55.2% | $4,646-69.0% | $2,471-41.7% |
| Participant deferral / active EE | $4,656 | $5,681-18.0% | $6,843-32.0% | $3,741+24.5% |
| Admin fee / account holder | $10,910 | $6,053+80.2% | $9,312+17.2% | $5,306+105.6% |