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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 | $19,872 | $85,171-76.7% | $172,753-88.5% | $72,976-72.8% |
| Participation rate | 45.8% | 70.1%-24.2pp | 82.6%-36.8pp | 69.5%-23.7pp |
| Annual return | 29.01% | 27.32%+1.7pp | 803.00%-774.0pp | 81.02%-52.0pp |
| Employer contribution / active EE | $1,522 | $3,324-54.2% | $5,144-70.4% | $2,440-37.6% |
| Participant deferral / active EE | $2,506 | $3,260-23.1% | $5,198-51.8% | $3,608-30.5% |
| Admin fee / account holder | $339 | $5,880-94.2% | $13,956-97.6% | $5,124-93.4% |