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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 | $30,481 | $45,126-32.5% | $85,187-64.2% | $74,459-59.1% |
| Participation rate | 29.6% | 49.4%-19.8pp | 67.5%-38.0pp | 67.2%-37.7pp |
| Annual return | 18.82% | 26.30%-7.5pp | 66.67%-47.8pp | 1369.70%-1350.9pp |
| Employer contribution / active EE | $287 | $1,460-80.3% | $2,732-89.5% | $2,626-89.1% |
| Participant deferral / active EE | $1,932 | $2,738-29.4% | $4,525-57.3% | $4,350-55.6% |
| Admin fee / account holder | $3,333 | $2,212+50.7% | $6,162-45.9% | $1,945+71.4% |