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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 | $41,491 | $89,367-53.6% | $141,191-70.6% | $72,975-43.1% |
| Participation rate | 50.0% | 75.1%-25.1pp | 82.5%-32.5pp | 69.5%-19.5pp |
| Annual return | 26.66% | 111.87%-85.2pp | 71.41%-44.8pp | 81.01%-54.4pp |
| Employer contribution / active EE | $1,430 | $3,115-54.1% | $4,736-69.8% | $2,440-41.4% |
| Participant deferral / active EE | $4,266 | $5,419-21.3% | $6,710-36.4% | $3,608+18.2% |
| Admin fee / account holder | $5,444 | $5,957-8.6% | $10,264-47.0% | $5,124+6.2% |