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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 | $19,212 | $90,606-78.8% | $79,466-75.8% | $135,379-85.8% |
| Participation rate | 64.3% | 76.0%-11.8pp | 73.3%-9.1pp | 82.6%-18.4pp |
| Annual return | 2.68% | 977.69%-975.0pp | 718.28%-715.6pp | 519.79%-517.1pp |
| Employer contribution / active EE | $2,262 | $3,068-26.3% | $2,800-19.2% | $4,779-52.7% |
| Participant deferral / active EE | $1,921 | $4,050-52.6% | $3,704-48.1% | $5,609-65.8% |
| Admin fee / account holder | $1,320 | $5,895-77.6% | $5,104-74.1% | $10,828-87.8% |