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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 | $29,262 | $74,661-60.8% | $160,784-81.8% | $67,986-57.0% |
| Participation rate | 40.5% | 57.1%-16.6pp | 77.0%-36.5pp | 57.2%-16.7pp |
| Annual return | 30.86% | 28.83%+2.0pp | 1803.92%-1773.1pp | 31.67%-0.8pp |
| Employer contribution / active EE | $1,076 | $1,829-41.2% | $3,733-71.2% | $2,019-46.7% |
| Participant deferral / active EE | $1,799 | $3,681-51.1% | $6,293-71.4% | $3,358-46.4% |
| Admin fee / account holder | $679 | $3,959-82.9% | $9,717-93.0% | $3,203-78.8% |