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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 | $37,108 | $55,470-33.1% | $155,556-76.1% | $74,478-50.2% |
| Participation rate | 35.6% | 61.9%-26.3pp | 78.2%-42.6pp | 67.2%-31.6pp |
| Annual return | 12.47% | 269.80%-257.3pp | 64.84%-52.4pp | 1370.56%-1358.1pp |
| Employer contribution / active EE | $428 | $2,267-81.1% | $4,675-90.8% | $2,626-83.7% |
| Participant deferral / active EE | $1,222 | $2,838-56.9% | $5,631-78.3% | $4,350-71.9% |
| Admin fee / account holder | $2,881 | $1,744+65.2% | $15,885-81.9% | $1,946+48.1% |