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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 | $31,714 | $89,364-64.5% | $141,177-77.5% | $72,983-56.5% |
| Participation rate | 34.1% | 75.1%-41.0pp | 82.5%-48.4pp | 69.5%-35.4pp |
| Annual return | 22.07% | 111.86%-89.8pp | 71.40%-49.3pp | 81.01%-58.9pp |
| Employer contribution / active EE | $1,073 | $3,115-65.5% | $4,736-77.3% | $2,440-56.0% |
| Participant deferral / active EE | $2,840 | $5,419-47.6% | $6,710-57.7% | $3,608-21.3% |
| Admin fee / account holder | $9,045 | $5,959+51.8% | $10,263-11.9% | $5,124+76.5% |