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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 | $94,316 | $157,304-40.0% | $141,197-33.2% | $152,909-38.3% |
| Participation rate | 38.5% | 84.8%-46.4pp | 82.5%-44.0pp | 82.5%-44.0pp |
| Annual return | 23.18% | 64.34%-41.2pp | 71.41%-48.2pp | 345.46%-322.3pp |
| Employer contribution / active EE | $1,194 | $5,263-77.3% | $4,736-74.8% | $4,764-74.9% |
| Participant deferral / active EE | $4,644 | $7,111-34.7% | $6,710-30.8% | $5,851-20.6% |
| Admin fee / account holder | $3,625 | $12,126-70.1% | $10,265-64.7% | $11,601-68.8% |