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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 | $20,645 | $47,479-56.5% | $62,929-67.2% | $82,448-75.0% |
| Participation rate | 63.2% | 66.9%-3.7pp | 73.1%-10.0pp | 68.1%-4.9pp |
| Annual return | 16.91% | 20.34%-3.4pp | 1063.93%-1047.0pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,476 | $1,885-21.7% | $2,505-41.1% | $2,551-42.1% |
| Participant deferral / active EE | $2,598 | $2,870-9.5% | $3,888-33.2% | $4,139-37.2% |
| Admin fee / account holder | $531 | $3,804-86.1% | $5,065-89.5% | $7,234-92.7% |