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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 | $35,022 | $65,555-46.6% | $86,216-59.4% | $75,173-53.4% |
| Participation rate | 49.2% | 60.5%-11.3pp | 69.0%-19.8pp | 67.2%-18.1pp |
| Annual return | 141.84% | 46.07%+95.8pp | 1169.42%-1027.6pp | 160.72%-18.9pp |
| Employer contribution / active EE | $536 | $1,553-65.5% | $2,382-77.5% | $2,671-79.9% |
| Participant deferral / active EE | $2,850 | $3,023-5.7% | $3,986-28.5% | $4,126-30.9% |
| Admin fee / account holder | $520 | $5,469-90.5% | $6,853-92.4% | $5,651-90.8% |