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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 | $53,869 | $80,781-33.3% | $102,437-47.4% | $74,478-27.7% |
| Participation rate | 37.3% | 65.7%-28.4pp | 74.5%-37.2pp | 67.2%-29.9pp |
| Annual return | 11.55% | 27.58%-16.0pp | 24.95%-13.4pp | 1370.56%-1359.0pp |
| Employer contribution / active EE | $1,236 | $3,160-60.9% | $3,871-68.1% | $2,626-53.0% |
| Participant deferral / active EE | $2,380 | $3,862-38.4% | $5,060-53.0% | $4,350-45.3% |
| Admin fee / account holder | $10,765 | $2,372+353.8% | $8,388+28.3% | $1,946+453.3% |