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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 | $37,448 | $78,607-52.4% | $105,624-64.5% | $74,478-49.7% |
| Participation rate | 49.7% | 72.8%-23.1pp | 75.3%-25.5pp | 67.2%-17.5pp |
| Annual return | 13.88% | 15.96%-2.1pp | 116.20%-102.3pp | 1370.56%-1356.7pp |
| Employer contribution / active EE | $793 | $2,523-68.6% | $3,168-75.0% | $2,626-69.8% |
| Participant deferral / active EE | $2,088 | $4,325-51.7% | $5,013-58.3% | $4,350-52.0% |
| Admin fee / account holder | $2,997 | $2,220+35.0% | $10,961-72.7% | $1,946+54.0% |