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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 | $40,562 | $63,346-36.0% | $92,240-56.0% | $70,126-42.2% |
| Participation rate | 59.6% | 68.7%-9.1pp | 76.5%-16.9pp | 69.5%-10.0pp |
| Annual return | 13.19% | 530.19%-517.0pp | 176.29%-163.1pp | 73.15%-60.0pp |
| Employer contribution / active EE | $1,153 | $2,471-53.3% | $3,680-68.7% | $2,343-50.8% |
| Participant deferral / active EE | $1,672 | $2,854-41.4% | $3,897-57.1% | $3,332-49.8% |
| Admin fee / account holder | $1,623 | $3,841-57.7% | $5,194-68.7% | $4,645-65.1% |