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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 | $45,043-32.3% | $85,063-64.2% | $74,400-59.0% |
| Participation rate | 29.6% | 49.4%-19.8pp | 67.5%-37.9pp | 67.2%-37.7pp |
| Annual return | 18.82% | 26.26%-7.4pp | 66.54%-47.7pp | 1367.51%-1348.7pp |
| Employer contribution / active EE | $287 | $1,458-80.3% | $2,727-89.5% | $2,624-89.1% |
| Participant deferral / active EE | $1,932 | $2,733-29.3% | $4,523-57.3% | $4,348-55.6% |
| Admin fee / account holder | $3,333 | $2,210+50.8% | $6,155-45.9% | $1,944+71.5% |