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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 | $33,123 | $39,028-15.1% | $80,741-59.0% | $85,847-61.4% |
| Participation rate | 25.6% | 41.6%-16.0pp | 54.2%-28.6pp | 69.3%-43.7pp |
| Annual return | 17.66% | 26.31%-8.7pp | 87.30%-69.6pp | 318.61%-301.0pp |
| Employer contribution / active EE | $492 | $722-31.9% | $1,160-57.6% | $2,565-80.8% |
| Participant deferral / active EE | $1,619 | $1,326+22.1% | $2,145-24.5% | $3,952-59.0% |
| Admin fee / account holder | $550 | $2,429-77.3% | $3,380-83.7% | $6,261-91.2% |