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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 | $38,987 | $61,125-36.2% | $94,057-58.5% | $87,485-55.4% |
| Participation rate | 42.9% | 64.1%-21.2pp | 73.3%-30.5pp | 68.9%-26.1pp |
| Annual return | 13.57% | 35.20%-21.6pp | 480.62%-467.1pp | 26.06%-12.5pp |
| Employer contribution / active EE | $848 | $2,136-60.3% | $2,933-71.1% | $2,596-67.3% |
| Participant deferral / active EE | $1,819 | $3,260-44.2% | $4,709-61.4% | $4,274-57.4% |
| Admin fee / account holder | $398 | $5,629-92.9% | $7,244-94.5% | $7,775-94.9% |