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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 | $38,601 | $45,126-14.5% | $85,187-54.7% | $74,459-48.2% |
| Participation rate | 21.9% | 49.4%-27.5pp | 67.5%-45.6pp | 67.2%-45.3pp |
| Annual return | 16.73% | 26.30%-9.6pp | 66.67%-49.9pp | 1369.70%-1353.0pp |
| Employer contribution / active EE | $735 | $1,460-49.7% | $2,732-73.1% | $2,626-72.0% |
| Participant deferral / active EE | $1,790 | $2,738-34.6% | $4,525-60.4% | $4,350-58.8% |
| Admin fee / account holder | $477 | $2,212-78.4% | $6,162-92.3% | $1,945-75.5% |