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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 | $24,959 | $93,346-73.3% | $71,796-65.2% | $273,972-90.9% |
| Participation rate | 60.9% | 76.5%-15.7pp | 69.1%-8.2pp | 83.0%-22.1pp |
| Annual return | 6.36% | 130.39%-124.0pp | 78.04%-71.7pp | 41.46%-35.1pp |
| Employer contribution / active EE | $914 | $2,733-66.6% | $1,924-52.5% | $4,869-81.2% |
| Participant deferral / active EE | $2,339 | $3,475-32.7% | $2,794-16.3% | $5,287-55.8% |
| Admin fee / account holder | $886 | $6,571-86.5% | $4,815-81.6% | $10,133-91.3% |