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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 | $31,216 | $48,053-35.0% | $84,628-63.1% | $72,975-57.2% |
| Participation rate | 37.3% | 57.6%-20.3pp | 68.2%-30.9pp | 69.5%-32.2pp |
| Annual return | 42.00% | 37.39%+4.6pp | 258.80%-216.8pp | 81.01%-39.0pp |
| Employer contribution / active EE | $1,123 | $1,602-29.9% | $2,653-57.7% | $2,440-54.0% |
| Participant deferral / active EE | $2,280 | $2,681-14.9% | $3,900-41.5% | $3,608-36.8% |
| Admin fee / account holder | $1,195 | $3,395-64.8% | $4,914-75.7% | $5,124-76.7% |