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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 | $48,398 | $85,171-43.2% | $172,753-72.0% | $72,976-33.7% |
| Participation rate | 35.5% | 70.1%-34.6pp | 82.6%-47.2pp | 69.5%-34.0pp |
| Annual return | 18.13% | 27.32%-9.2pp | 803.00%-784.9pp | 81.02%-62.9pp |
| Employer contribution / active EE | $502 | $3,324-84.9% | $5,144-90.2% | $2,440-79.4% |
| Participant deferral / active EE | $1,717 | $3,260-47.3% | $5,198-67.0% | $3,608-52.4% |
| Admin fee / account holder | $752 | $5,880-87.2% | $13,956-94.6% | $5,124-85.3% |