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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 | $21,192 | $29,733-28.7% | $56,025-62.2% | $80,959-73.8% |
| Participation rate | 30.0% | 41.7%-11.7pp | 52.5%-22.5pp | 67.7%-37.7pp |
| Annual return | 24.62% | 35.28%-10.7pp | 1712.69%-1688.1pp | 35.67%-11.0pp |
| Employer contribution / active EE | $437 | $672-34.9% | $1,042-58.0% | $2,757-84.1% |
| Participant deferral / active EE | $1,207 | $1,229-1.8% | $1,955-38.2% | $4,300-71.9% |
| Admin fee / account holder | $2,018 | $2,434-17.1% | $2,828-28.7% | $6,925-70.9% |