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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 | $28,261 | $29,736-5.0% | $56,033-49.6% | $80,935-65.1% |
| Participation rate | 29.2% | 41.7%-12.5pp | 52.5%-23.3pp | 67.7%-38.5pp |
| Annual return | 15.85% | 35.28%-19.4pp | 1711.38%-1695.5pp | 35.66%-19.8pp |
| Employer contribution / active EE | $590 | $671-12.2% | $1,041-43.3% | $2,757-78.6% |
| Participant deferral / active EE | $1,274 | $1,228+3.7% | $1,954-34.8% | $4,299-70.4% |
| Admin fee / account holder | $1,312 | $2,434-46.1% | $2,827-53.6% | $6,924-81.1% |