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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 | $34,847 | $47,479-26.6% | $62,929-44.6% | $82,448-57.7% |
| Participation rate | 38.1% | 66.9%-28.8pp | 73.1%-35.0pp | 68.1%-30.0pp |
| Annual return | 18.77% | 20.34%-1.6pp | 1063.93%-1045.2pp | 41.64%-22.9pp |
| Employer contribution / active EE | $426 | $1,885-77.4% | $2,505-83.0% | $2,551-83.3% |
| Participant deferral / active EE | $2,237 | $2,870-22.1% | $3,888-42.5% | $4,139-45.9% |
| Admin fee / account holder | $563 | $3,804-85.2% | $5,065-88.9% | $7,234-92.2% |