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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 | $55,405 | $58,241-4.9% | $81,780-32.3% | $80,911-31.5% |
| Participation rate | 37.0% | 63.4%-26.5pp | 72.4%-35.4pp | 67.6%-30.7pp |
| Annual return | 17.19% | 41.73%-24.5pp | 776.27%-759.1pp | 35.63%-18.4pp |
| Employer contribution / active EE | $1,130 | $2,343-51.8% | $2,914-61.2% | $2,756-59.0% |
| Participant deferral / active EE | $3,055 | $3,283-6.9% | $4,321-29.3% | $4,297-28.9% |
| Admin fee / account holder | $1,699 | $4,973-65.8% | $7,384-77.0% | $6,935-75.5% |