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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 | $19,624 | $47,479-58.7% | $62,929-68.8% | $82,448-76.2% |
| Participation rate | 29.4% | 66.9%-37.5pp | 73.1%-43.7pp | 68.1%-38.7pp |
| Annual return | 13.24% | 20.34%-7.1pp | 1063.93%-1050.7pp | 41.64%-28.4pp |
| Employer contribution / active EE | $1,030 | $1,885-45.4% | $2,505-58.9% | $2,551-59.6% |
| Participant deferral / active EE | $2,186 | $2,870-23.9% | $3,888-43.8% | $4,139-47.2% |
| Admin fee / account holder | $1,449 | $3,804-61.9% | $5,065-71.4% | $7,234-80.0% |