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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 | $32,711 | $61,755-47.0% | $97,161-66.3% | $80,911-59.6% |
| Participation rate | 40.0% | 63.5%-23.5pp | 72.7%-32.7pp | 67.6%-27.6pp |
| Annual return | 18.37% | -557.90%+576.3pp | 75.36%-57.0pp | 35.63%-17.3pp |
| Employer contribution / active EE | $1,059 | $1,835-42.3% | $2,723-61.1% | $2,756-61.6% |
| Participant deferral / active EE | $1,321 | $3,026-56.4% | $4,265-69.0% | $4,297-69.3% |
| Admin fee / account holder | $5,007 | $5,166-3.1% | $5,647-11.3% | $6,935-27.8% |