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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 | $35,572 | $93,345-61.9% | $119,126-70.1% | $87,485-59.3% |
| Participation rate | 48.6% | 68.7%-20.2pp | 75.8%-27.2pp | 68.9%-20.4pp |
| Annual return | 19.86% | 19.08%+0.8pp | 282.11%-262.3pp | 26.06%-6.2pp |
| Employer contribution / active EE | $1,534 | $3,172-51.6% | $4,034-62.0% | $2,596-40.9% |
| Participant deferral / active EE | $2,680 | $4,099-34.6% | $5,318-49.6% | $4,274-37.3% |
| Admin fee / account holder | $10,014 | $8,039+24.6% | $10,693-6.3% | $7,775+28.8% |