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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 | $45,123-51.8% | $85,240-74.5% | $74,478-70.8% |
| Participation rate | 35.9% | 49.4%-13.4pp | 67.5%-31.6pp | 67.2%-31.3pp |
| Annual return | 11.27% | 26.32%-15.1pp | 66.75%-55.5pp | 1370.56%-1359.3pp |
| Employer contribution / active EE | $1,315 | $1,459-9.8% | $2,735-51.9% | $2,626-49.9% |
| Participant deferral / active EE | $2,686 | $2,736-1.8% | $4,527-40.7% | $4,350-38.3% |
| Admin fee / account holder | $3,404 | $2,215+53.7% | $6,165-44.8% | $1,946+74.9% |