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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 | $21,455 | $34,316-37.5% | $74,723-71.3% | $72,976-70.6% |
| Participation rate | 63.0% | 42.4%+20.6pp | 54.5%+8.5pp | 69.5%-6.5pp |
| Annual return | 20.24% | 26.58%-6.3pp | 753.18%-732.9pp | 81.02%-60.8pp |
| Employer contribution / active EE | $287 | $692-58.6% | $1,084-73.6% | $2,440-88.3% |
| Participant deferral / active EE | $1,245 | $1,272-2.1% | $1,962-36.5% | $3,608-65.5% |
| Admin fee / account holder | $653 | $2,125-69.3% | $3,335-80.4% | $5,124-87.3% |