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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 | $36,264 | $103,385-64.9% | $87,104-58.4% | $152,870-76.3% |
| Participation rate | 28.6% | 79.3%-50.8pp | 76.9%-48.3pp | 82.4%-53.9pp |
| Annual return | 20.48% | 28.10%-7.6pp | 28.19%-7.7pp | 345.34%-324.9pp |
| Employer contribution / active EE | $713 | $3,220-77.9% | $2,521-71.7% | $4,763-85.0% |
| Participant deferral / active EE | $2,411 | $4,778-49.5% | $4,049-40.5% | $5,850-58.8% |
| Admin fee / account holder | $1,303 | $12,192-89.3% | $7,490-82.6% | $11,597-88.8% |