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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 | $30,051 | $58,311-48.5% | $81,882-63.3% | $80,959-62.9% |
| Participation rate | 44.9% | 63.5%-18.5pp | 72.4%-27.4pp | 67.7%-22.7pp |
| Annual return | 11.65% | 41.85%-30.2pp | 779.47%-767.8pp | 35.67%-24.0pp |
| Employer contribution / active EE | $844 | $2,347-64.0% | $2,916-71.0% | $2,757-69.4% |
| Participant deferral / active EE | $1,494 | $3,287-54.5% | $4,323-65.4% | $4,300-65.3% |
| Admin fee / account holder | $4,280 | $4,752-9.9% | $7,360-41.8% | $6,925-38.2% |