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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 | $29,382 | $58,311-49.6% | $81,882-64.1% | $80,959-63.7% |
| Participation rate | 50.0% | 63.5%-13.5pp | 72.4%-22.4pp | 67.7%-17.7pp |
| Annual return | 37.58% | 41.85%-4.3pp | 779.47%-741.9pp | 35.67%+1.9pp |
| Employer contribution / active EE | $1,295 | $2,347-44.8% | $2,916-55.6% | $2,757-53.0% |
| Participant deferral / active EE | $2,163 | $3,287-34.2% | $4,323-50.0% | $4,300-49.7% |
| Admin fee / account holder | $3,992 | $4,752-16.0% | $7,360-45.8% | $6,925-42.4% |