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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 | $25,921 | $58,311-55.5% | $81,882-68.3% | $80,959-68.0% |
| Participation rate | 44.6% | 63.5%-18.9pp | 72.4%-27.8pp | 67.7%-23.1pp |
| Annual return | 14.90% | 41.85%-27.0pp | 779.47%-764.6pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,607 | $2,347-31.5% | $2,916-44.9% | $2,757-41.7% |
| Participant deferral / active EE | $1,515 | $3,287-53.9% | $4,323-65.0% | $4,300-64.8% |
| Admin fee / account holder | $2,994 | $4,752-37.0% | $7,360-59.3% | $6,925-56.8% |