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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 | $35,322 | $41,150-14.2% | $80,627-56.2% | $71,511-50.6% |
| Participation rate | 27.3% | 50.3%-23.0pp | 67.0%-39.7pp | 67.9%-40.7pp |
| Annual return | 18.39% | 38.48%-20.1pp | 936.76%-918.4pp | 28.86%-10.5pp |
| Employer contribution / active EE | $537 | $1,515-64.6% | $2,723-80.3% | $2,589-79.3% |
| Participant deferral / active EE | $1,266 | $2,701-53.2% | $4,443-71.5% | $4,291-70.5% |
| Admin fee / account holder | $833 | $1,841-54.8% | $5,381-84.5% | $1,588-47.6% |