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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 | $20,439 | $61,787-66.9% | $97,197-79.0% | $80,925-74.7% |
| Participation rate | 58.1% | 63.5%-5.4pp | 72.7%-14.6pp | 67.7%-9.6pp |
| Annual return | 13.87% | -558.16%+572.0pp | 75.47%-61.6pp | 35.65%-21.8pp |
| Employer contribution / active EE | $1,395 | $1,836-24.0% | $2,723-48.7% | $2,756-49.4% |
| Participant deferral / active EE | $2,949 | $3,027-2.6% | $4,263-30.8% | $4,299-31.4% |
| Admin fee / account holder | $7,356 | $5,170+42.3% | $5,637+30.5% | $6,940+6.0% |