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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 | $21,511 | $29,733-27.7% | $56,025-61.6% | $80,959-73.4% |
| Participation rate | 30.9% | 41.7%-10.8pp | 52.5%-21.6pp | 67.7%-36.8pp |
| Annual return | 14.90% | 35.28%-20.4pp | 1712.69%-1697.8pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,068 | $672+58.9% | $1,042+2.5% | $2,757-61.3% |
| Participant deferral / active EE | $1,656 | $1,229+34.7% | $1,955-15.3% | $4,300-61.5% |
| Admin fee / account holder | $464 | $2,434-80.9% | $2,828-83.6% | $6,925-93.3% |