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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 | $40,256 | $49,976-19.5% | $66,674-39.6% | $82,637-51.3% |
| Participation rate | 53.3% | 63.1%-9.8pp | 73.7%-20.3pp | 68.1%-14.7pp |
| Annual return | 23.89% | 39.09%-15.2pp | 321.24%-297.4pp | 53.51%-29.6pp |
| Employer contribution / active EE | $999 | $1,988-49.8% | $2,620-61.9% | $2,552-60.9% |
| Participant deferral / active EE | $2,086 | $2,847-26.7% | $4,084-48.9% | $4,126-49.5% |
| Admin fee / account holder | $1,177 | $4,594-74.4% | $5,098-76.9% | $7,339-84.0% |