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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 | $61,293 | $28,167+117.6% | $73,658-16.8% | $64,728-5.3% |
| Participation rate | 3.6% | 21.1%-17.5pp | 57.0%-53.5pp | 57.9%-54.3pp |
| Annual return | 22.37% | 139.75%-117.4pp | 29.72%-7.3pp | 49.38%-27.0pp |
| Employer contribution / active EE | $180 | $373-51.7% | $1,032-82.5% | $2,243-92.0% |
| Participant deferral / active EE | $379 | $597-36.5% | $2,062-81.6% | $2,729-86.1% |
| Admin fee / account holder | $640 | $1,791-64.2% | $3,357-80.9% | $1,145-44.1% |