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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 | $22,184 | $154,193-85.6% | $130,045-82.9% | $139,466-84.1% |
| Participation rate | 36.8% | 82.0%-45.1pp | 78.5%-41.7pp | 80.3%-43.5pp |
| Annual return | 15.91% | 32.51%-16.6pp | -137.30%+153.2pp | 373.66%-357.8pp |
| Employer contribution / active EE | $1,643 | $5,292-69.0% | $4,321-62.0% | $4,754-65.4% |
| Participant deferral / active EE | $2,659 | $6,709-60.4% | $5,820-54.3% | $6,712-60.4% |
| Admin fee / account holder | $351 | $13,989-97.5% | $10,600-96.7% | $11,409-96.9% |