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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 | $23,556 | $29,716-20.7% | $56,077-58.0% | $80,925-70.9% |
| Participation rate | 27.1% | 41.7%-14.6pp | 52.5%-25.4pp | 67.7%-40.5pp |
| Annual return | 12.92% | 35.30%-22.4pp | 1709.28%-1696.4pp | 35.65%-22.7pp |
| Employer contribution / active EE | $811 | $671+20.9% | $1,040-22.0% | $2,756-70.6% |
| Participant deferral / active EE | $1,477 | $1,228+20.2% | $1,954-24.4% | $4,299-65.6% |
| Admin fee / account holder | $2,959 | $2,432+21.7% | $2,825+4.8% | $6,940-57.4% |