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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 | $29,716+20.3% | $56,077-36.3% | $80,925-55.8% |
| Participation rate | 13.3% | 41.7%-28.4pp | 52.5%-39.2pp | 67.7%-54.3pp |
| Annual return | 14.21% | 35.30%-21.1pp | 1709.28%-1695.1pp | 35.65%-21.4pp |
| Employer contribution / active EE | $309 | $671-54.0% | $1,040-70.3% | $2,756-88.8% |
| Participant deferral / active EE | $1,032 | $1,228-16.0% | $1,954-47.2% | $4,299-76.0% |
| Admin fee / account holder | $9,214 | $2,432+278.9% | $2,825+226.2% | $6,940+32.8% |