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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 | $48,479 | $51,638-6.1% | $68,368-29.1% | $82,448-41.2% |
| Participation rate | 30.8% | 63.6%-32.8pp | 73.8%-43.0pp | 68.1%-37.3pp |
| Annual return | 28.10% | 37.53%-9.4pp | 292.57%-264.5pp | 41.64%-13.5pp |
| Employer contribution / active EE | $1,928 | $2,047-5.8% | $2,649-27.2% | $2,551-24.4% |
| Participant deferral / active EE | $3,064 | $2,914+5.2% | $4,123-25.7% | $4,139-26.0% |
| Admin fee / account holder | $23,109 | $4,643+397.7% | $5,150+348.7% | $7,234+219.4% |