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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 | $29,480 | $51,638-42.9% | $68,368-56.9% | $82,448-64.2% |
| Participation rate | 32.7% | 63.6%-30.9pp | 73.8%-41.1pp | 68.1%-35.4pp |
| Annual return | 20.56% | 37.53%-17.0pp | 292.57%-272.0pp | 41.64%-21.1pp |
| Employer contribution / active EE | $1,167 | $2,047-43.0% | $2,649-55.9% | $2,551-54.3% |
| Participant deferral / active EE | $1,720 | $2,914-41.0% | $4,123-58.3% | $4,139-58.5% |
| Admin fee / account holder | $563 | $4,643-87.9% | $5,150-89.1% | $7,234-92.2% |