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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 | $37,694 | $65,434-42.4% | $98,483-61.7% | $85,847-56.1% |
| Participation rate | 42.4% | 65.0%-22.6pp | 73.3%-31.0pp | 69.3%-26.9pp |
| Annual return | 16.30% | 21.75%-5.4pp | 1494.38%-1478.1pp | 318.61%-302.3pp |
| Employer contribution / active EE | $1,069 | $2,169-50.7% | $2,961-63.9% | $2,565-58.3% |
| Participant deferral / active EE | $2,239 | $3,168-29.3% | $4,276-47.6% | $3,952-43.3% |
| Admin fee / account holder | $5,810 | $4,595+26.4% | $5,953-2.4% | $6,261-7.2% |