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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 | $25,222 | $45,119-44.1% | $85,126-70.4% | $74,429-66.1% |
| Participation rate | 33.1% | 49.4%-16.3pp | 67.5%-34.4pp | 67.2%-34.1pp |
| Annual return | 18.58% | 26.28%-7.7pp | 66.63%-48.1pp | 1368.38%-1349.8pp |
| Employer contribution / active EE | $814 | $1,460-44.3% | $2,731-70.2% | $2,625-69.0% |
| Participant deferral / active EE | $1,890 | $2,738-31.0% | $4,523-58.2% | $4,348-56.5% |
| Admin fee / account holder | $1,014 | $2,214-54.2% | $6,160-83.5% | $1,944-47.9% |