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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 | $24,182 | $47,479-49.1% | $62,929-61.6% | $82,448-70.7% |
| Participation rate | 34.4% | 66.9%-32.5pp | 73.1%-38.7pp | 68.1%-33.7pp |
| Annual return | 43.92% | 20.34%+23.6pp | 1063.93%-1020.0pp | 41.64%+2.3pp |
| Employer contribution / active EE | $1,386 | $1,885-26.5% | $2,505-44.7% | $2,551-45.7% |
| Participant deferral / active EE | $2,962 | $2,870+3.2% | $3,888-23.8% | $4,139-28.4% |
| Admin fee / account holder | $6,520 | $3,804+71.4% | $5,065+28.7% | $7,234-9.9% |