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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 | $34,091 | $58,275-41.5% | $81,844-58.3% | $80,935-57.9% |
| Participation rate | 55.9% | 63.5%-7.5pp | 72.4%-16.4pp | 67.7%-11.7pp |
| Annual return | 12.72% | 41.82%-29.1pp | 778.87%-766.2pp | 35.66%-22.9pp |
| Employer contribution / active EE | $1,131 | $2,346-51.8% | $2,916-61.2% | $2,757-59.0% |
| Participant deferral / active EE | $2,330 | $3,285-29.1% | $4,323-46.1% | $4,299-45.8% |
| Admin fee / account holder | $2,486 | $4,749-47.7% | $7,355-66.2% | $6,924-64.1% |