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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 | $20,145 | $49,891-59.6% | $80,607-75.0% | $75,181-73.2% |
| Participation rate | 31.9% | 55.3%-23.4pp | 67.0%-35.1pp | 67.2%-35.3pp |
| Annual return | 16.49% | 34.67%-18.2pp | 936.11%-919.6pp | 160.69%-144.2pp |
| Employer contribution / active EE | $429 | $1,698-74.8% | $2,724-84.3% | $2,671-83.9% |
| Participant deferral / active EE | $888 | $2,991-70.3% | $4,448-80.0% | $4,126-78.5% |
| Admin fee / account holder | $2,043 | $3,578-42.9% | $5,379-62.0% | $5,650-63.8% |