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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 | $20,943 | $58,258-64.1% | $81,820-74.4% | $80,925-74.1% |
| Participation rate | 33.3% | 63.5%-30.1pp | 72.4%-39.1pp | 67.7%-34.3pp |
| Annual return | 15.90% | 41.76%-25.9pp | 777.93%-762.0pp | 35.65%-19.7pp |
| Employer contribution / active EE | $1,455 | $2,345-38.0% | $2,915-50.1% | $2,756-47.2% |
| Participant deferral / active EE | $2,036 | $3,284-38.0% | $4,323-52.9% | $4,299-52.6% |
| Admin fee / account holder | $1,257 | $4,976-74.7% | $7,391-83.0% | $6,940-81.9% |