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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 | $30,416 | $54,717-44.4% | $86,216-64.7% | $71,511-57.5% |
| Participation rate | 33.0% | 60.1%-27.1pp | 69.0%-36.0pp | 67.9%-34.9pp |
| Annual return | 31.78% | 20.07%+11.7pp | 1169.42%-1137.6pp | 28.86%+2.9pp |
| Employer contribution / active EE | $716 | $1,267-43.5% | $2,382-70.0% | $2,589-72.4% |
| Participant deferral / active EE | $1,552 | $3,110-50.1% | $3,986-61.1% | $4,291-63.8% |
| Admin fee / account holder | $11,547 | $1,922+500.7% | $6,853+68.5% | $1,588+626.9% |