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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 | $30,520 | $65,027-53.1% | $90,970-66.5% | $79,852-61.8% |
| Participation rate | 32.3% | 61.6%-29.4pp | 69.0%-36.8pp | 69.6%-37.4pp |
| Annual return | 23.63% | 30.45%-6.8pp | 134.58%-111.0pp | 31.72%-8.1pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,606 | $2,512-36.1% | $3,373-52.4% | $3,740-57.1% |
| Admin fee / account holder | $3,442 | $4,535-24.1% | $5,960-42.3% | $5,306-35.1% |