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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 | $29,670-28.6% | $56,054-62.2% | $80,911-73.8% |
| Participation rate | 30.0% | 41.7%-11.7pp | 52.5%-22.5pp | 67.6%-37.6pp |
| Annual return | 24.62% | 35.24%-10.6pp | 1705.95%-1681.3pp | 35.63%-11.0pp |
| Employer contribution / active EE | $437 | $670-34.7% | $1,039-57.9% | $2,756-84.1% |
| Participant deferral / active EE | $1,207 | $1,227-1.6% | $1,952-38.2% | $4,297-71.9% |
| Admin fee / account holder | $2,018 | $2,431-17.0% | $2,822-28.5% | $6,935-70.9% |