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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 | $19,889 | $29,736-33.1% | $56,033-64.5% | $80,935-75.4% |
| Participation rate | 55.2% | 41.7%+13.5pp | 52.5%+2.7pp | 67.7%-12.5pp |
| Annual return | 18.62% | 35.28%-16.7pp | 1711.38%-1692.8pp | 35.66%-17.0pp |
| Employer contribution / active EE | $1,041 | $671+55.0% | $1,0410% | $2,757-62.3% |
| Participant deferral / active EE | $2,837 | $1,228+131.0% | $1,954+45.2% | $4,299-34.0% |
| Admin fee / account holder | $631 | $2,434-74.1% | $2,827-77.7% | $6,924-90.9% |