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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 | $21,511 | $29,733-27.7% | $56,025-61.6% | $80,959-73.4% |
| Participation rate | 38.5% | 41.7%-3.3pp | 52.5%-14.0pp | 67.7%-29.2pp |
| Annual return | 15.05% | 35.28%-20.2pp | 1712.69%-1697.6pp | 35.67%-20.6pp |
| Employer contribution / active EE | $313 | $672-53.4% | $1,042-70.0% | $2,757-88.6% |
| Participant deferral / active EE | $898 | $1,229-27.0% | $1,955-54.1% | $4,300-79.1% |
| Admin fee / account holder | $2,102 | $2,434-13.6% | $2,828-25.7% | $6,925-69.6% |