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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 | $24,385 | $70,418-65.4% | $96,570-74.7% | $85,847-71.6% |
| Participation rate | 22.0% | 61.8%-39.8pp | 69.8%-47.8pp | 69.3%-47.3pp |
| Annual return | 15.32% | 18.59%-3.3pp | 37.79%-22.5pp | 318.61%-303.3pp |
| Employer contribution / active EE | $325 | $1,413-77.0% | $2,357-86.2% | $2,565-87.3% |
| Participant deferral / active EE | $1,735 | $2,894-40.0% | $3,849-54.9% | $3,952-56.1% |
| Admin fee / account holder | $424 | $4,995-91.5% | $6,182-93.1% | $6,261-93.2% |