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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 | $29,670-26.8% | $56,054-61.2% | $80,911-73.1% |
| Participation rate | 26.9% | 41.7%-14.7pp | 52.5%-25.6pp | 67.6%-40.7pp |
| Annual return | 15.77% | 35.24%-19.5pp | 1705.95%-1690.2pp | 35.63%-19.9pp |
| Employer contribution / active EE | $669 | $670-0.1% | $1,039-35.6% | $2,756-75.7% |
| Participant deferral / active EE | $2,660 | $1,227+116.8% | $1,952+36.2% | $4,297-38.1% |
| Admin fee / account holder | $1,239 | $2,431-49.0% | $2,822-56.1% | $6,935-82.1% |