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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 | $29,245 | $39,798-26.5% | $67,704-56.8% | $59,633-51.0% |
| Participation rate | 64.9% | 57.4%+7.6pp | 67.5%-2.6pp | 68.7%-3.7pp |
| Annual return | 1.50% | 89.94%-88.4pp | 25.41%-23.9pp | 2041.45%-2040.0pp |
| Employer contribution / active EE | $1,218 | $1,393-12.5% | $2,559-52.4% | $2,203-44.7% |
| Participant deferral / active EE | $1,730 | $2,335-25.9% | $3,585-51.7% | $3,192-45.8% |
| Admin fee / account holder | $1,310 | $3,212-59.2% | $4,255-69.2% | $4,297-69.5% |