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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 | $20,215 | $77,908-74.1% | $149,696-86.5% | $75,173-73.1% |
| Participation rate | 31.3% | 65.6%-34.3pp | 78.8%-47.5pp | 67.2%-36.0pp |
| Annual return | 52.81% | 31.73%+21.1pp | 134.46%-81.6pp | 160.72%-107.9pp |
| Employer contribution / active EE | $833 | $3,138-73.4% | $4,821-82.7% | $2,671-68.8% |
| Participant deferral / active EE | $1,753 | $3,411-48.6% | $5,682-69.1% | $4,126-57.5% |
| Admin fee / account holder | $312 | $5,950-94.8% | $13,212-97.6% | $5,651-94.5% |