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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 | $37,598 | $83,369-54.9% | $105,223-64.3% | $67,986-44.7% |
| Participation rate | 44.6% | 56.3%-11.7pp | 75.0%-30.4pp | 57.2%-12.6pp |
| Annual return | 63.19% | 24.64%+38.5pp | 180.65%-117.5pp | 31.67%+31.5pp |
| Employer contribution / active EE | $1,463 | $2,541-42.4% | $3,689-60.3% | $2,019-27.5% |
| Participant deferral / active EE | $2,144 | $3,295-34.9% | $5,072-57.7% | $3,358-36.1% |
| Admin fee / account holder | $1,000 | $4,073-75.5% | $8,859-88.7% | $3,203-68.8% |