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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 | $34,114 | $51,638-33.9% | $68,368-50.1% | $82,448-58.6% |
| Participation rate | 29.8% | 63.6%-33.8pp | 73.8%-44.0pp | 68.1%-38.3pp |
| Annual return | 24.84% | 37.53%-12.7pp | 292.57%-267.7pp | 41.64%-16.8pp |
| Employer contribution / active EE | $367 | $2,047-82.1% | $2,649-86.1% | $2,551-85.6% |
| Participant deferral / active EE | $1,356 | $2,914-53.5% | $4,123-67.1% | $4,139-67.2% |
| Admin fee / account holder | $2,831 | $4,643-39.0% | $5,150-45.0% | $7,234-60.9% |