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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 | $55,165 | $61,125-9.7% | $94,057-41.3% | $87,485-36.9% |
| Participation rate | 35.6% | 64.1%-28.4pp | 73.3%-37.7pp | 68.9%-33.3pp |
| Annual return | 14.42% | 35.20%-20.8pp | 480.62%-466.2pp | 26.06%-11.6pp |
| Employer contribution / active EE | $1,626 | $2,136-23.9% | $2,933-44.6% | $2,596-37.4% |
| Participant deferral / active EE | $1,925 | $3,260-40.9% | $4,709-59.1% | $4,274-54.9% |
| Admin fee / account holder | $7,889 | $5,629+40.2% | $7,244+8.9% | $7,775+1.5% |