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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 | $39,635 | $73,107-45.8% | $114,563-65.4% | $87,485-54.7% |
| Participation rate | 37.1% | 65.8%-28.6pp | 72.9%-35.8pp | 68.9%-31.8pp |
| Annual return | 20.60% | 19.47%+1.1pp | 241.09%-220.5pp | 26.06%-5.5pp |
| Employer contribution / active EE | $1,116 | $1,881-40.7% | $2,592-56.9% | $2,596-57.0% |
| Participant deferral / active EE | $2,635 | $3,144-16.2% | $4,142-36.4% | $4,274-38.3% |
| Admin fee / account holder | $964 | $5,770-83.3% | $7,623-87.3% | $7,775-87.6% |