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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 | $56,705 | $124,346-54.4% | $111,306-49.1% | $167,553-66.2% |
| Participation rate | 31.3% | 79.6%-48.4pp | 77.3%-46.1pp | 82.1%-50.9pp |
| Annual return | 13.65% | 37.46%-23.8pp | 54.67%-41.0pp | 478.89%-465.2pp |
| Employer contribution / active EE | $1,216 | $3,438-64.6% | $2,732-55.5% | $4,840-74.9% |
| Participant deferral / active EE | $2,821 | $5,182-45.6% | $4,488-37.1% | $6,343-55.5% |
| Admin fee / account holder | $722 | $10,623-93.2% | $7,966-90.9% | $12,316-94.1% |