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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 | $24,566 | $29,736-17.4% | $56,033-56.2% | $80,935-69.6% |
| Participation rate | 33.3% | 41.7%-8.4pp | 52.5%-19.2pp | 67.7%-34.3pp |
| Annual return | 20.08% | 35.28%-15.2pp | 1711.38%-1691.3pp | 35.66%-15.6pp |
| Employer contribution / active EE | $542 | $671-19.3% | $1,041-47.9% | $2,757-80.3% |
| Participant deferral / active EE | $1,561 | $1,228+27.1% | $1,954-20.1% | $4,299-63.7% |
| Admin fee / account holder | $1,604 | $2,434-34.1% | $2,827-43.3% | $6,924-76.8% |