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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 | $37,426 | $86,298-56.6% | $111,308-66.4% | $85,847-56.4% |
| Participation rate | 63.4% | 73.3%-9.9pp | 77.3%-13.9pp | 69.3%-5.9pp |
| Annual return | 11.84% | 19.99%-8.1pp | 54.67%-42.8pp | 318.61%-306.8pp |
| Employer contribution / active EE | $1,527 | $2,044-25.3% | $2,732-44.1% | $2,565-40.5% |
| Participant deferral / active EE | $2,581 | $3,641-29.1% | $4,487-42.5% | $3,952-34.7% |
| Admin fee / account holder | $1,863 | $8,189-77.2% | $7,965-76.6% | $6,261-70.2% |