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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 | $33,830 | $102,385-67.0% | $147,080-77.0% | $80,935-58.2% |
| Participation rate | 43.2% | 75.9%-32.6pp | 82.2%-38.9pp | 67.7%-24.4pp |
| Annual return | 13.58% | 135.09%-121.5pp | 420.17%-406.6pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,281 | $3,717-65.5% | $4,933-74.0% | $2,757-53.5% |
| Participant deferral / active EE | $3,782 | $6,651-43.1% | $8,066-53.1% | $4,299-12.0% |
| Admin fee / account holder | $313 | $7,951-96.1% | $12,989-97.6% | $6,924-95.5% |