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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 | $24,746 | $29,733-16.8% | $56,025-55.8% | $80,959-69.4% |
| Participation rate | 45.2% | 41.7%+3.4pp | 52.5%-7.3pp | 67.7%-22.5pp |
| Annual return | 14.07% | 35.28%-21.2pp | 1712.69%-1698.6pp | 35.67%-21.6pp |
| Employer contribution / active EE | $412 | $672-38.7% | $1,042-60.5% | $2,757-85.1% |
| Participant deferral / active EE | $1,384 | $1,229+12.6% | $1,955-29.2% | $4,300-67.8% |
| Admin fee / account holder | $668 | $2,434-72.5% | $2,828-76.4% | $6,925-90.3% |