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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 | $30,532 | $85,766-64.4% | $136,298-77.6% | $70,126-56.5% |
| Participation rate | 38.8% | 74.2%-35.4pp | 81.9%-43.1pp | 69.5%-30.8pp |
| Annual return | 20.02% | 31.46%-11.4pp | 5156.27%-5136.2pp | 73.15%-53.1pp |
| Employer contribution / active EE | $917 | $2,966-69.1% | $4,696-80.5% | $2,343-60.9% |
| Participant deferral / active EE | $2,208 | $5,051-56.3% | $6,247-64.6% | $3,332-33.7% |
| Admin fee / account holder | $1,116 | $5,421-79.4% | $9,244-87.9% | $4,645-76.0% |