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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 | $35,488 | $102,422-65.4% | $147,117-75.9% | $80,959-56.2% |
| Participation rate | 38.6% | 75.9%-37.3pp | 82.2%-43.6pp | 67.7%-29.1pp |
| Annual return | 38.37% | 135.16%-96.8pp | 420.54%-382.2pp | 35.67%+2.7pp |
| Employer contribution / active EE | $1,754 | $3,717-52.8% | $4,932-64.4% | $2,757-36.4% |
| Participant deferral / active EE | $3,693 | $6,652-44.5% | $8,065-54.2% | $4,300-14.1% |
| Admin fee / account holder | $8,915 | $7,953+12.1% | $12,993-31.4% | $6,925+28.7% |