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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 | $43,266 | $80,781-46.4% | $102,437-57.8% | $74,478-41.9% |
| Participation rate | 42.5% | 65.7%-23.2pp | 74.5%-32.0pp | 67.2%-24.7pp |
| Annual return | 44.84% | 27.58%+17.3pp | 24.95%+19.9pp | 1370.56%-1325.7pp |
| Employer contribution / active EE | $1,431 | $3,160-54.7% | $3,871-63.0% | $2,626-45.5% |
| Participant deferral / active EE | $2,448 | $3,862-36.6% | $5,060-51.6% | $4,350-43.7% |
| Admin fee / account holder | $6,644 | $2,372+180.1% | $8,388-20.8% | $1,946+241.4% |