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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 | $21,729 | $29,736-26.9% | $56,033-61.2% | $80,935-73.2% |
| Participation rate | 26.9% | 41.7%-14.8pp | 52.5%-25.6pp | 67.7%-40.7pp |
| Annual return | 15.77% | 35.28%-19.5pp | 1711.38%-1695.6pp | 35.66%-19.9pp |
| Employer contribution / active EE | $669 | $671-0.4% | $1,041-35.8% | $2,757-75.7% |
| Participant deferral / active EE | $2,660 | $1,228+116.5% | $1,954+36.1% | $4,299-38.1% |
| Admin fee / account holder | $1,239 | $2,434-49.1% | $2,827-56.2% | $6,924-82.1% |