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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 | $35,746 | $29,733+20.2% | $56,025-36.2% | $80,959-55.8% |
| Participation rate | 13.3% | 41.7%-28.4pp | 52.5%-39.2pp | 67.7%-54.3pp |
| Annual return | 14.21% | 35.28%-21.1pp | 1712.69%-1698.5pp | 35.67%-21.5pp |
| Employer contribution / active EE | $309 | $672-54.1% | $1,042-70.4% | $2,757-88.8% |
| Participant deferral / active EE | $1,032 | $1,229-16.1% | $1,955-47.2% | $4,300-76.0% |
| Admin fee / account holder | $9,214 | $2,434+278.6% | $2,828+225.8% | $6,925+33.1% |