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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 | $73,134 | $152,612-52.1% | $125,192-41.6% | $152,897-52.2% |
| Participation rate | 42.9% | 83.3%-40.5pp | 79.8%-36.9pp | 82.5%-39.6pp |
| Annual return | 38.90% | 54.85%-15.9pp | 43.79%-4.9pp | 345.43%-306.5pp |
| Employer contribution / active EE | $1,393 | $4,947-71.8% | $3,866-64.0% | $4,764-70.8% |
| Participant deferral / active EE | $2,752 | $5,868-53.1% | $4,937-44.3% | $5,851-53.0% |
| Admin fee / account holder | $11,184 | $13,437-16.8% | $9,704+15.2% | $11,599-3.6% |