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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 | $35,570 | $45,900-22.5% | $94,057-62.2% | $64,340-44.7% |
| Participation rate | 37.4% | 50.6%-13.2pp | 73.3%-35.9pp | 55.2%-17.8pp |
| Annual return | 20.87% | 50.47%-29.6pp | 480.62%-459.7pp | 24.14%-3.3pp |
| Employer contribution / active EE | $733 | $1,612-54.5% | $2,933-75.0% | $1,862-60.6% |
| Participant deferral / active EE | $1,569 | $2,102-25.4% | $4,709-66.7% | $2,980-47.3% |
| Admin fee / account holder | $1,229 | $3,143-60.9% | $7,244-83.0% | $3,703-66.8% |