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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 | $30,059 | $61,338-51.0% | $149,717-79.9% | $71,495-58.0% |
| Participation rate | 41.6% | 62.5%-20.9pp | 78.8%-37.2pp | 67.9%-26.3pp |
| Annual return | 20.25% | 35.86%-15.6pp | 134.41%-114.2pp | 28.85%-8.6pp |
| Employer contribution / active EE | $1,502 | $2,381-36.9% | $4,820-68.8% | $2,589-42.0% |
| Participant deferral / active EE | $2,599 | $2,919-11.0% | $5,682-54.3% | $4,291-39.4% |
| Admin fee / account holder | $378 | $1,263-70.0% | $13,213-97.1% | $1,588-76.2% |