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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 | $33,178 | $29,051+14.2% | $52,425-36.7% | $67,986-51.2% |
| Participation rate | 18.1% | 30.4%-12.4pp | 55.6%-37.6pp | 57.2%-39.1pp |
| Annual return | 18.71% | 24.00%-5.3pp | 302.12%-283.4pp | 31.67%-13.0pp |
| Employer contribution / active EE | $203 | $412-50.6% | $914-77.8% | $2,019-89.9% |
| Participant deferral / active EE | $777 | $873-11.0% | $1,790-56.6% | $3,358-76.9% |
| Admin fee / account holder | $4,182 | $2,113+98.0% | $2,495+67.6% | $3,203+30.6% |