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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 | $51,338 | $54,717-6.2% | $86,216-40.5% | $71,511-28.2% |
| Participation rate | 39.4% | 60.1%-20.7pp | 69.0%-29.5pp | 67.9%-28.5pp |
| Annual return | 18.59% | 20.07%-1.5pp | 1169.42%-1150.8pp | 28.86%-10.3pp |
| Employer contribution / active EE | $1,083 | $1,267-14.5% | $2,382-54.5% | $2,589-58.2% |
| Participant deferral / active EE | $1,858 | $3,110-40.2% | $3,986-53.4% | $4,291-56.7% |
| Admin fee / account holder | $1,099 | $1,922-42.8% | $6,853-84.0% | $1,588-30.8% |