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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 | $52,820 | $53,127-0.6% | $86,587-39.0% | $70,131-24.7% |
| Participation rate | 58.2% | 65.3%-7.1pp | 73.5%-15.3pp | 69.5%-11.3pp |
| Annual return | 14.79% | 27.66%-12.9pp | 964.86%-950.1pp | 73.14%-58.3pp |
| Employer contribution / active EE | $1,100 | $2,068-46.8% | $2,839-61.3% | $2,342-53.0% |
| Participant deferral / active EE | $1,438 | $2,696-46.7% | $3,609-60.2% | $3,332-56.9% |
| Admin fee / account holder | $4,023 | $3,585+12.2% | $4,906-18.0% | $4,645-13.4% |