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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 | $28,390 | $100,139-71.6% | $85,187-66.7% | $145,884-80.5% |
| Participation rate | 52.9% | 74.1%-21.2pp | 67.5%-14.6pp | 80.3%-27.4pp |
| Annual return | 12.28% | 84.15%-71.9pp | 66.67%-54.4pp | 551.85%-539.6pp |
| Employer contribution / active EE | $546 | $3,238-83.1% | $2,732-80.0% | $4,662-88.3% |
| Participant deferral / active EE | $4,086 | $5,296-22.8% | $4,525-9.7% | $6,690-38.9% |
| Admin fee / account holder | $8,883 | $7,262+22.3% | $6,162+44.2% | $13,392-33.7% |