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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 | $28,550 | $87,225-67.3% | $158,226-82.0% | $94,015-69.6% |
| Participation rate | 25.6% | 67.9%-42.4pp | 74.8%-49.2pp | 70.8%-45.2pp |
| Annual return | 19.77% | 16.34%+3.4pp | 501.41%-481.6pp | 17.84%+1.9pp |
| Employer contribution / active EE | $984 | $2,217-55.6% | $2,986-67.1% | $2,790-64.7% |
| Participant deferral / active EE | $1,861 | $3,405-45.3% | $4,317-56.9% | $4,249-56.2% |
| Admin fee / account holder | $309 | $7,888-96.1% | $10,217-97.0% | $8,951-96.5% |