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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 | $17,993 | $58,275-69.1% | $81,844-78.0% | $80,935-77.8% |
| Participation rate | 33.8% | 63.5%-29.7pp | 72.4%-38.6pp | 67.7%-33.9pp |
| Annual return | 19.73% | 41.82%-22.1pp | 778.87%-759.1pp | 35.66%-15.9pp |
| Employer contribution / active EE | $601 | $2,346-74.4% | $2,916-79.4% | $2,757-78.2% |
| Participant deferral / active EE | $1,272 | $3,285-61.3% | $4,323-70.6% | $4,299-70.4% |
| Admin fee / account holder | $973 | $4,749-79.5% | $7,355-86.8% | $6,924-85.9% |