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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 | $33,486 | $102,422-67.3% | $147,117-77.2% | $80,959-58.6% |
| Participation rate | 51.9% | 75.9%-23.9pp | 82.2%-30.2pp | 67.7%-15.7pp |
| Annual return | 38.75% | 135.16%-96.4pp | 420.54%-381.8pp | 35.67%+3.1pp |
| Employer contribution / active EE | $1,637 | $3,717-56.0% | $4,932-66.8% | $2,757-40.6% |
| Participant deferral / active EE | $3,424 | $6,652-48.5% | $8,065-57.5% | $4,300-20.4% |
| Admin fee / account holder | $1,327 | $7,953-83.3% | $12,993-89.8% | $6,925-80.8% |