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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 | $50,554-52.2% | $67,681-64.3% | $87,485-72.4% |
| Participation rate | 34.4% | 67.7%-33.3pp | 73.7%-39.4pp | 68.9%-34.6pp |
| Annual return | 43.92% | 17.81%+26.1pp | 590.58%-546.7pp | 26.06%+17.9pp |
| Employer contribution / active EE | $1,386 | $1,988-30.3% | $2,678-48.2% | $2,596-46.6% |
| Participant deferral / active EE | $2,962 | $2,9610% | $3,976-25.5% | $4,274-30.7% |
| Admin fee / account holder | $6,520 | $4,132+57.8% | $6,100+6.9% | $7,775-16.1% |