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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 | $25,751 | $47,105-45.3% | $68,368-62.3% | $67,986-62.1% |
| Participation rate | 33.3% | 51.8%-18.5pp | 73.8%-40.4pp | 57.2%-23.9pp |
| Annual return | 20.01% | 48.37%-28.4pp | 292.57%-272.6pp | 31.67%-11.7pp |
| Employer contribution / active EE | $583 | $1,859-68.6% | $2,649-78.0% | $2,019-71.1% |
| Participant deferral / active EE | $1,363 | $2,374-42.6% | $4,123-66.9% | $3,358-59.4% |
| Admin fee / account holder | $1,515 | $2,435-37.8% | $5,150-70.6% | $3,203-52.7% |