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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 | $25,118 | $55,902-55.1% | $76,030-67.0% | $80,959-69.0% |
| Participation rate | 25.9% | 62.1%-36.1pp | 69.1%-43.1pp | 67.7%-41.7pp |
| Annual return | 15.99% | 20.59%-4.6pp | 361.54%-345.5pp | 35.67%-19.7pp |
| Employer contribution / active EE | $678 | $1,867-63.7% | $2,688-74.8% | $2,757-75.4% |
| Participant deferral / active EE | $1,097 | $3,051-64.0% | $4,257-74.2% | $4,300-74.5% |
| Admin fee / account holder | $5,003 | $5,239-4.5% | $6,421-22.1% | $6,925-27.8% |