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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 | $34,903 | $45,602-23.5% | $117,529-70.3% | $66,949-47.9% |
| Participation rate | 45.9% | 57.6%-11.8pp | 70.6%-24.7pp | 69.8%-24.0pp |
| Annual return | 66.12% | -16.74%+82.9pp | 29.77%+36.4pp | 1.57%+64.6pp |
| Employer contribution / active EE | $2,012 | $1,579+27.4% | $4,179-51.9% | $2,545-21.0% |
| Participant deferral / active EE | $3,352 | $2,845+17.8% | $4,072-17.7% | $4,239-20.9% |
| Admin fee / account holder | $800 | $661+21.2% | $5,645-85.8% | $594+34.8% |