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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 | $38,483 | $102,429-62.4% | $147,096-73.8% | $80,925-52.4% |
| Participation rate | 53.5% | 75.9%-22.4pp | 82.2%-28.7pp | 67.7%-14.2pp |
| Annual return | 16.86% | 135.02%-118.2pp | 419.75%-402.9pp | 35.65%-18.8pp |
| Employer contribution / active EE | $1,779 | $3,716-52.1% | $4,936-63.9% | $2,756-35.4% |
| Participant deferral / active EE | $2,617 | $6,649-60.6% | $8,071-67.6% | $4,299-39.1% |
| Admin fee / account holder | $5,154 | $7,957-35.2% | $13,005-60.4% | $6,940-25.7% |