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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 | $58,241-41.5% | $81,780-58.3% | $80,911-57.9% |
| Participation rate | 55.9% | 63.4%-7.5pp | 72.4%-16.4pp | 67.6%-11.7pp |
| Annual return | 12.72% | 41.73%-29.0pp | 776.27%-763.5pp | 35.63%-22.9pp |
| Employer contribution / active EE | $1,131 | $2,343-51.7% | $2,914-61.2% | $2,756-59.0% |
| Participant deferral / active EE | $2,330 | $3,283-29.0% | $4,321-46.1% | $4,297-45.8% |
| Admin fee / account holder | $2,486 | $4,973-50.0% | $7,384-66.3% | $6,935-64.2% |