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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 | $34,304 | $49,897-31.2% | $80,648-57.5% | $75,177-54.4% |
| Participation rate | 43.3% | 55.3%-12.0pp | 67.0%-23.7pp | 67.2%-23.9pp |
| Annual return | 19.53% | 34.68%-15.1pp | 937.21%-917.7pp | 160.75%-141.2pp |
| Employer contribution / active EE | $1,350 | $1,699-20.5% | $2,724-50.4% | $2,671-49.5% |
| Participant deferral / active EE | $3,455 | $2,992+15.5% | $4,443-22.3% | $4,126-16.3% |
| Admin fee / account holder | $4,709 | $3,579+31.6% | $5,382-12.5% | $5,651-16.7% |