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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 | $21,549 | $49,896-56.8% | $80,627-73.3% | $75,173-71.3% |
| Participation rate | 33.8% | 55.3%-21.6pp | 67.0%-33.3pp | 67.2%-33.5pp |
| Annual return | 19.41% | 34.67%-15.3pp | 936.76%-917.4pp | 160.72%-141.3pp |
| Employer contribution / active EE | $939 | $1,699-44.7% | $2,723-65.5% | $2,671-64.8% |
| Participant deferral / active EE | $1,059 | $2,992-64.6% | $4,443-76.2% | $4,126-74.3% |
| Admin fee / account holder | $647 | $3,578-81.9% | $5,381-88.0% | $5,651-88.5% |