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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 | $29,716-28.7% | $56,077-62.2% | $80,925-73.8% |
| Participation rate | 30.0% | 41.7%-11.7pp | 52.5%-22.5pp | 67.7%-37.7pp |
| Annual return | 24.62% | 35.30%-10.7pp | 1709.28%-1684.7pp | 35.65%-11.0pp |
| Employer contribution / active EE | $437 | $671-34.8% | $1,040-58.0% | $2,756-84.1% |
| Participant deferral / active EE | $1,207 | $1,228-1.7% | $1,954-38.2% | $4,299-71.9% |
| Admin fee / account holder | $2,018 | $2,432-17.0% | $2,825-28.6% | $6,940-70.9% |