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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 | $21,629 | $68,681-68.5% | $86,615-75.0% | $85,847-74.8% |
| Participation rate | 63.8% | 66.4%-2.5pp | 71.6%-7.8pp | 69.3%-5.5pp |
| Annual return | 15.04% | 20.12%-5.1pp | 63.51%-48.5pp | 318.61%-303.6pp |
| Employer contribution / active EE | $682 | $1,880-63.7% | $2,496-72.7% | $2,565-73.4% |
| Participant deferral / active EE | $2,351 | $2,919-19.4% | $3,699-36.4% | $3,952-40.5% |
| Admin fee / account holder | $1,541 | $5,974-74.2% | $5,830-73.6% | $6,261-75.4% |