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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 | $31,198 | $79,694-60.9% | $96,192-67.6% | $79,389-60.7% |
| Participation rate | 47.6% | 54.0%-6.4pp | 68.4%-20.8pp | 70.7%-23.1pp |
| Annual return | 13.42% | 40.84%-27.4pp | 192.09%-178.7pp | 116.89%-103.5pp |
| Employer contribution / active EE | $634 | $1,443-56.0% | $2,799-77.3% | $2,428-73.9% |
| Participant deferral / active EE | $2,103 | $2,539-17.2% | $4,351-51.7% | $4,046-48.0% |
| Admin fee / account holder | $9,404 | $630+1392.3% | $5,539+69.8% | $626+1401.2% |