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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 | $51,184-52.8% | $66,439-63.6% | $86,983-72.2% |
| Participation rate | 34.4% | 68.5%-34.1pp | 74.5%-40.1pp | 69.5%-35.2pp |
| Annual return | 43.92% | 17.07%+26.9pp | 757.66%-713.7pp | 25.83%+18.1pp |
| Employer contribution / active EE | $1,386 | $2,023-31.5% | $2,637-47.4% | $2,584-46.4% |
| Participant deferral / active EE | $2,962 | $2,927+1.2% | $3,876-23.6% | $4,194-29.4% |
| Admin fee / account holder | $6,520 | $4,154+57.0% | $6,173+5.6% | $7,856-17.0% |