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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 | $44,710 | $66,486-32.8% | $81,370-45.1% | $77,762-42.5% |
| Participation rate | 26.1% | 68.7%-42.6pp | 69.5%-43.5pp | 70.6%-44.5pp |
| Annual return | 303.33% | 15.95%+287.4pp | 24.85%+278.5pp | 31.27%+272.1pp |
| Employer contribution / active EE | $766 | $2,158-64.5% | $2,464-68.9% | $2,728-71.9% |
| Participant deferral / active EE | $1,972 | $3,677-46.4% | $3,885-49.2% | $4,651-57.6% |
| Admin fee / account holder | $767 | $586+30.9% | $5,749-86.7% | $433+77.1% |