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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 | $35,633 | $53,127-32.9% | $86,597-58.9% | $70,131-49.2% |
| Participation rate | 54.2% | 65.3%-11.1pp | 73.5%-19.4pp | 69.5%-15.4pp |
| Annual return | 14.53% | 27.66%-13.1pp | 964.96%-950.4pp | 73.14%-58.6pp |
| Employer contribution / active EE | $503 | $2,068-75.7% | $2,840-82.3% | $2,342-78.5% |
| Participant deferral / active EE | $2,100 | $2,696-22.1% | $3,609-41.8% | $3,332-37.0% |
| Admin fee / account holder | $5,534 | $3,585+54.4% | $4,906+12.8% | $4,645+19.1% |