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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 | $12,266 | $49,897-75.4% | $80,648-84.8% | $75,177-83.7% |
| Participation rate | 44.6% | 55.3%-10.7pp | 67.0%-22.4pp | 67.2%-22.6pp |
| Annual return | 21.32% | 34.68%-13.4pp | 937.21%-915.9pp | 160.75%-139.4pp |
| Employer contribution / active EE | $1,089 | $1,699-35.9% | $2,724-60.0% | $2,671-59.2% |
| Participant deferral / active EE | $1,520 | $2,992-49.2% | $4,443-65.8% | $4,126-63.2% |
| Admin fee / account holder | $2,950 | $3,579-17.6% | $5,382-45.2% | $5,651-47.8% |