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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 | $17,577 | $70,684-75.1% | $169,390-89.6% | $75,173-76.6% |
| Participation rate | 53.3% | 64.8%-11.5pp | 77.2%-23.8pp | 67.2%-13.9pp |
| Annual return | 20.59% | 36.38%-15.8pp | 406.07%-385.5pp | 160.72%-140.1pp |
| Employer contribution / active EE | $927 | $2,211-58.1% | $4,013-76.9% | $2,671-65.3% |
| Participant deferral / active EE | $4,336 | $4,310+0.6% | $6,222-30.3% | $4,126+5.1% |
| Admin fee / account holder | $650 | $5,404-88.0% | $9,015-92.8% | $5,651-88.5% |