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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 | $45,169 | $60,454-25.3% | $81,844-44.8% | $74,459-39.3% |
| Participation rate | 22.0% | 63.0%-40.9pp | 72.4%-50.3pp | 67.2%-45.2pp |
| Annual return | 19.83% | 16.87%+3.0pp | 778.87%-759.0pp | 1369.70%-1349.9pp |
| Employer contribution / active EE | $605 | $2,630-77.0% | $2,916-79.3% | $2,626-77.0% |
| Participant deferral / active EE | $1,190 | $3,398-65.0% | $4,323-72.5% | $4,350-72.6% |
| Admin fee / account holder | $1,966 | $1,490+31.9% | $7,355-73.3% | $1,945+1.1% |