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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 | $19,484 | $53,128-63.3% | $86,582-77.5% | $70,126-72.2% |
| Participation rate | 41.5% | 65.3%-23.8pp | 73.5%-32.1pp | 69.5%-28.1pp |
| Annual return | 15.31% | 27.66%-12.3pp | 965.08%-949.8pp | 73.15%-57.8pp |
| Employer contribution / active EE | $1,057 | $2,068-48.9% | $2,839-62.8% | $2,343-54.9% |
| Participant deferral / active EE | $1,829 | $2,695-32.1% | $3,609-49.3% | $3,332-45.1% |
| Admin fee / account holder | $1,170 | $3,584-67.4% | $4,904-76.1% | $4,645-74.8% |