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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 | $42,212 | $61,125-30.9% | $94,057-55.1% | $87,485-51.7% |
| Participation rate | 52.0% | 64.1%-12.1pp | 73.3%-21.3pp | 68.9%-16.9pp |
| Annual return | 24.23% | 35.20%-11.0pp | 480.62%-456.4pp | 26.06%-1.8pp |
| Employer contribution / active EE | $2,019 | $2,136-5.5% | $2,933-31.2% | $2,596-22.2% |
| Participant deferral / active EE | $2,618 | $3,260-19.7% | $4,709-44.4% | $4,274-38.7% |
| Admin fee / account holder | $4,129 | $5,629-26.6% | $7,244-43.0% | $7,775-46.9% |