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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 | $26,240 | $85,171-69.2% | $172,752-84.8% | $72,975-64.0% |
| Participation rate | 41.1% | 70.1%-29.0pp | 82.6%-41.6pp | 69.5%-28.4pp |
| Annual return | 20.95% | 27.32%-6.4pp | 802.97%-782.0pp | 81.01%-60.1pp |
| Employer contribution / active EE | $874 | $3,324-73.7% | $5,144-83.0% | $2,440-64.2% |
| Participant deferral / active EE | $2,892 | $3,260-11.3% | $5,198-44.4% | $3,608-19.8% |
| Admin fee / account holder | $6,544 | $5,880+11.3% | $13,955-53.1% | $5,124+27.7% |