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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 | $58,234-49.5% | $81,783-64.1% | $80,874-63.7% |
| Participation rate | 50.0% | 63.4%-13.4pp | 72.4%-22.4pp | 67.6%-17.6pp |
| Annual return | 37.58% | 41.70%-4.1pp | 775.05%-737.5pp | 35.62%+2.0pp |
| Employer contribution / active EE | $1,295 | $2,341-44.7% | $2,913-55.5% | $2,756-53.0% |
| Participant deferral / active EE | $2,163 | $3,283-34.1% | $4,320-49.9% | $4,297-49.7% |
| Admin fee / account holder | $3,992 | $4,982-19.9% | $7,380-45.9% | $6,935-42.4% |