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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 | $30,504 | $63,346-51.8% | $92,240-66.9% | $70,126-56.5% |
| Participation rate | 29.6% | 68.7%-39.0pp | 76.5%-46.9pp | 69.5%-39.9pp |
| Annual return | 16.13% | 530.19%-514.1pp | 176.29%-160.2pp | 73.15%-57.0pp |
| Employer contribution / active EE | $944 | $2,471-61.8% | $3,680-74.3% | $2,343-59.7% |
| Participant deferral / active EE | $3,850 | $2,854+34.9% | $3,897-1.2% | $3,332+15.6% |
| Admin fee / account holder | $1,229 | $3,841-68.0% | $5,194-76.3% | $4,645-73.5% |