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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 | $20,929 | $58,895-64.5% | $178,503-88.3% | $73,497-71.5% |
| Participation rate | 23.0% | 66.2%-43.2pp | 81.9%-58.9pp | 70.7%-47.7pp |
| Annual return | 24.60% | 24.86%-0.3pp | 151.12%-126.5pp | 28.51%-3.9pp |
| Employer contribution / active EE | $601 | $2,236-73.1% | $5,011-88.0% | $2,270-73.5% |
| Participant deferral / active EE | $1,629 | $2,567-36.5% | $5,202-68.7% | $3,740-56.4% |
| Admin fee / account holder | $1,545 | $400+285.9% | $13,987-89.0% | $513+201.1% |