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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 | $28,155 | $29,716-5.3% | $56,077-49.8% | $80,925-65.2% |
| Participation rate | 19.6% | 41.7%-22.1pp | 52.5%-32.9pp | 67.7%-48.1pp |
| Annual return | 10.73% | 35.30%-24.6pp | 1709.28%-1698.5pp | 35.65%-24.9pp |
| Employer contribution / active EE | $416 | $671-37.9% | $1,040-60.0% | $2,756-84.9% |
| Participant deferral / active EE | $498 | $1,228-59.5% | $1,954-74.5% | $4,299-88.4% |
| Admin fee / account holder | $324 | $2,432-86.7% | $2,825-88.5% | $6,940-95.3% |