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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 | $37,250 | $55,902-33.4% | $76,030-51.0% | $80,959-54.0% |
| Participation rate | 40.2% | 62.1%-21.9pp | 69.1%-28.9pp | 67.7%-27.5pp |
| Annual return | 13.90% | 20.59%-6.7pp | 361.54%-347.6pp | 35.67%-21.8pp |
| Employer contribution / active EE | $1,118 | $1,867-40.1% | $2,688-58.4% | $2,757-59.5% |
| Participant deferral / active EE | $2,108 | $3,051-30.9% | $4,257-50.5% | $4,300-51.0% |
| Admin fee / account holder | $4,063 | $5,239-22.4% | $6,421-36.7% | $6,925-41.3% |