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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 | $40,774 | $65,390-37.6% | $169,385-75.9% | $71,495-43.0% |
| Participation rate | 30.2% | 67.0%-36.8pp | 77.2%-47.0pp | 67.9%-37.8pp |
| Annual return | 0.00% | 21.31%-21.3pp | 405.82%-405.8pp | 28.85%-28.9pp |
| Employer contribution / active EE | $1,109 | $2,079-46.7% | $4,012-72.4% | $2,589-57.2% |
| Participant deferral / active EE | $1,960 | $4,367-55.1% | $6,221-68.5% | $4,291-54.3% |
| Admin fee / account holder | $1,488 | $1,324+12.4% | $9,011-83.5% | $1,588-6.3% |