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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 | $33,848 | $110,410-69.3% | $102,437-67.0% | $145,897-76.8% |
| Participation rate | 45.5% | 77.9%-32.5pp | 74.5%-29.1pp | 80.3%-34.9pp |
| Annual return | 30.67% | 24.85%+5.8pp | 24.95%+5.7pp | 552.29%-521.6pp |
| Employer contribution / active EE | $1,495 | $4,217-64.5% | $3,871-61.4% | $4,663-67.9% |
| Participant deferral / active EE | $3,848 | $5,622-31.5% | $5,060-23.9% | $6,689-42.5% |
| Admin fee / account holder | $525 | $9,745-94.6% | $8,388-93.7% | $13,390-96.1% |