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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 | $31,958 | $105,856-69.8% | $90,161-64.6% | $147,586-78.3% |
| Participation rate | 44.4% | 79.7%-35.3pp | 76.9%-32.4pp | 82.8%-38.4pp |
| Annual return | 14.15% | 37.63%-23.5pp | 34.89%-20.7pp | 578.59%-564.4pp |
| Employer contribution / active EE | $2,607 | $4,126-36.8% | $3,318-21.4% | $4,876-46.5% |
| Participant deferral / active EE | $2,714 | $5,733-52.7% | $5,287-48.7% | $5,439-50.1% |
| Admin fee / account holder | $8,031 | $8,046-0.2% | $5,943+35.1% | $10,886-26.2% |