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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 | $19,685 | $58,275-66.2% | $81,844-75.9% | $80,935-75.7% |
| Participation rate | 47.6% | 63.5%-15.8pp | 72.4%-24.8pp | 67.7%-20.0pp |
| Annual return | 15.66% | 41.82%-26.2pp | 778.87%-763.2pp | 35.66%-20.0pp |
| Employer contribution / active EE | $680 | $2,346-71.0% | $2,916-76.7% | $2,757-75.3% |
| Participant deferral / active EE | $1,727 | $3,285-47.4% | $4,323-60.1% | $4,299-59.8% |
| Admin fee / account holder | $1,476 | $4,749-68.9% | $7,355-79.9% | $6,924-78.7% |