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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 | $21,191 | $58,258-63.6% | $81,820-74.1% | $80,925-73.8% |
| Participation rate | 50.0% | 63.5%-13.5pp | 72.4%-22.4pp | 67.7%-17.7pp |
| Annual return | 13.45% | 41.76%-28.3pp | 777.93%-764.5pp | 35.65%-22.2pp |
| Employer contribution / active EE | $848 | $2,345-63.8% | $2,915-70.9% | $2,756-69.2% |
| Participant deferral / active EE | $1,679 | $3,284-48.9% | $4,323-61.2% | $4,299-60.9% |
| Admin fee / account holder | $821 | $4,976-83.5% | $7,391-88.9% | $6,940-88.2% |