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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 | $102,429-65.4% | $147,096-75.9% | $80,925-56.1% |
| Participation rate | 38.6% | 75.9%-37.3pp | 82.2%-43.6pp | 67.7%-29.1pp |
| Annual return | 38.37% | 135.02%-96.6pp | 419.75%-381.4pp | 35.65%+2.7pp |
| Employer contribution / active EE | $1,754 | $3,716-52.8% | $4,936-64.5% | $2,756-36.4% |
| Participant deferral / active EE | $3,693 | $6,649-44.5% | $8,071-54.2% | $4,299-14.1% |
| Admin fee / account holder | $8,915 | $7,957+12.0% | $13,005-31.5% | $6,940+28.5% |