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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 | $44,984-43.9% | $85,009-70.3% | $74,546-66.2% |
| Participation rate | 33.1% | 49.4%-16.3pp | 67.5%-34.4pp | 67.2%-34.1pp |
| Annual return | 18.58% | 26.25%-7.7pp | 66.47%-47.9pp | 1366.03%-1347.5pp |
| Employer contribution / active EE | $814 | $1,458-44.2% | $2,728-70.2% | $2,624-69.0% |
| Participant deferral / active EE | $1,890 | $2,733-30.8% | $4,522-58.2% | $4,347-56.5% |
| Admin fee / account holder | $1,014 | $2,208-54.1% | $6,153-83.5% | $1,944-47.8% |