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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 | $40,876 | $43,496-6.0% | $161,489-74.7% | $64,340-36.5% |
| Participation rate | 39.0% | 53.5%-14.5pp | 78.7%-39.7pp | 55.2%-16.2pp |
| Annual return | 12.55% | 20.76%-8.2pp | 89.72%-77.2pp | 24.14%-11.6pp |
| Employer contribution / active EE | $500 | $1,431-65.1% | $4,268-88.3% | $1,862-73.1% |
| Participant deferral / active EE | $984 | $1,996-50.7% | $5,630-82.5% | $2,980-67.0% |
| Admin fee / account holder | $8,135 | $2,330+249.1% | $16,006-49.2% | $3,703+119.7% |