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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 | $48,387 | $46,360+4.4% | $147,617-67.2% | $52,331-7.5% |
| Participation rate | 43.0% | 64.9%-21.9pp | 84.6%-41.6pp | 68.1%-25.1pp |
| Annual return | 0.95% | 1.62%-0.7pp | 61.98%-61.0pp | 4.54%-3.6pp |
| Employer contribution / active EE | $791 | $2,126-62.8% | $5,564-85.8% | $1,882-58.0% |
| Participant deferral / active EE | $2,719 | $2,258+20.5% | $4,895-44.5% | $3,022-10.0% |
| Admin fee / account holder | $1,494 | $766+95.1% | $11,612-87.1% | $592+152.5% |