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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 | $29,733-20.8% | $56,025-58.0% | $80,959-70.9% |
| Participation rate | 27.1% | 41.7%-14.6pp | 52.5%-25.4pp | 67.7%-40.5pp |
| Annual return | 12.92% | 35.28%-22.4pp | 1712.69%-1699.8pp | 35.67%-22.7pp |
| Employer contribution / active EE | $811 | $672+20.8% | $1,042-22.1% | $2,757-70.6% |
| Participant deferral / active EE | $1,477 | $1,229+20.1% | $1,955-24.4% | $4,300-65.7% |
| Admin fee / account holder | $2,959 | $2,434+21.6% | $2,828+4.6% | $6,925-57.3% |