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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 | $45,123-44.1% | $85,240-70.4% | $74,478-66.1% |
| Participation rate | 33.1% | 49.4%-16.3pp | 67.5%-34.4pp | 67.2%-34.1pp |
| Annual return | 18.58% | 26.32%-7.7pp | 66.75%-48.2pp | 1370.56%-1352.0pp |
| Employer contribution / active EE | $814 | $1,459-44.2% | $2,735-70.3% | $2,626-69.0% |
| Participant deferral / active EE | $1,890 | $2,736-30.9% | $4,527-58.2% | $4,350-56.6% |
| Admin fee / account holder | $1,014 | $2,215-54.2% | $6,165-83.6% | $1,946-47.9% |