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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 | $33,400 | $102,595-67.4% | $94,057-64.5% | $154,746-78.4% |
| Participation rate | 30.0% | 76.0%-46.0pp | 73.3%-43.3pp | 80.7%-50.7pp |
| Annual return | 17.89% | 583.42%-565.5pp | 480.62%-462.7pp | 172.34%-154.4pp |
| Employer contribution / active EE | $1,414 | $3,147-55.1% | $2,933-51.8% | $4,379-67.7% |
| Participant deferral / active EE | $2,759 | $5,118-46.1% | $4,709-41.4% | $6,730-59.0% |
| Admin fee / account holder | $12,860 | $7,736+66.2% | $7,244+77.5% | $14,365-10.5% |