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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 | $34,395 | $65,566-47.5% | $86,235-60.1% | $75,177-54.2% |
| Participation rate | 37.7% | 60.5%-22.8pp | 69.0%-31.3pp | 67.2%-29.5pp |
| Annual return | 17.49% | 46.07%-28.6pp | 1170.03%-1152.5pp | 160.75%-143.3pp |
| Employer contribution / active EE | $1,438 | $1,553-7.4% | $2,381-39.6% | $2,671-46.2% |
| Participant deferral / active EE | $2,751 | $3,023-9.0% | $3,987-31.0% | $4,126-33.3% |
| Admin fee / account holder | $3,662 | $5,470-33.0% | $6,856-46.6% | $5,651-35.2% |