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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 | $60,214 | $95,383-36.9% | $185,837-67.6% | $85,856-29.9% |
| Participation rate | 41.0% | 68.8%-27.8pp | 81.7%-40.7pp | 69.3%-28.3pp |
| Annual return | 12.40% | 23.59%-11.2pp | 122.08%-109.7pp | 318.58%-306.2pp |
| Employer contribution / active EE | $507 | $3,313-84.7% | $5,168-90.2% | $2,565-80.2% |
| Participant deferral / active EE | $2,746 | $3,423-19.8% | $5,568-50.7% | $3,952-30.5% |
| Admin fee / account holder | $2,787 | $7,213-61.4% | $16,241-82.8% | $6,261-55.5% |