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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 | $18,965 | $84,236-77.5% | $170,435-88.9% | $70,126-73.0% |
| Participation rate | 31.1% | 70.8%-39.7pp | 83.6%-52.5pp | 69.5%-38.4pp |
| Annual return | 0.00% | 23.06%-23.1pp | 205.94%-205.9pp | 73.15%-73.1pp |
| Employer contribution / active EE | $579 | $3,387-82.9% | $5,432-89.3% | $2,343-75.3% |
| Participant deferral / active EE | $1,720 | $3,086-44.3% | $4,939-65.2% | $3,332-48.4% |
| Admin fee / account holder | $741 | $5,698-87.0% | $13,881-94.7% | $4,645-84.0% |