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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 | $21,769 | $45,119-51.8% | $85,126-74.4% | $74,429-70.8% |
| Participation rate | 35.9% | 49.4%-13.4pp | 67.5%-31.6pp | 67.2%-31.3pp |
| Annual return | 11.27% | 26.28%-15.0pp | 66.63%-55.4pp | 1368.38%-1357.1pp |
| Employer contribution / active EE | $1,315 | $1,460-9.9% | $2,731-51.8% | $2,625-49.9% |
| Participant deferral / active EE | $2,686 | $2,738-1.9% | $4,523-40.6% | $4,348-38.2% |
| Admin fee / account holder | $3,404 | $2,214+53.8% | $6,160-44.7% | $1,944+75.1% |