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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 | $30,588 | $55,437-44.8% | $155,534-80.3% | $74,459-58.9% |
| Participation rate | 34.0% | 61.9%-27.9pp | 78.2%-44.2pp | 67.2%-33.2pp |
| Annual return | 11.87% | 269.58%-257.7pp | 64.92%-53.0pp | 1369.70%-1357.8pp |
| Employer contribution / active EE | $633 | $2,266-72.1% | $4,675-86.5% | $2,626-75.9% |
| Participant deferral / active EE | $1,253 | $2,837-55.8% | $5,630-77.7% | $4,350-71.2% |
| Admin fee / account holder | $2,840 | $1,742+63.0% | $15,900-82.1% | $1,945+46.0% |