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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 | $78,483-52.3% | $106,201-64.7% | $74,546-49.8% |
| Participation rate | 49.7% | 72.8%-23.1pp | 75.3%-25.6pp | 67.2%-17.5pp |
| Annual return | 13.88% | 15.94%-2.1pp | 116.26%-102.4pp | 1366.03%-1352.2pp |
| Employer contribution / active EE | $793 | $2,522-68.6% | $3,170-75.0% | $2,624-69.8% |
| Participant deferral / active EE | $2,088 | $4,320-51.7% | $5,012-58.3% | $4,347-52.0% |
| Admin fee / account holder | $2,997 | $2,236+34.1% | $11,039-72.9% | $1,944+54.2% |