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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 | $27,021 | $29,319-7.8% | $52,425-48.5% | $82,448-67.2% |
| Participation rate | 38.7% | 46.9%-8.1pp | 55.6%-16.9pp | 68.1%-29.4pp |
| Annual return | 19.02% | 535.20%-516.2pp | 302.12%-283.1pp | 41.64%-22.6pp |
| Employer contribution / active EE | $463 | $586-21.1% | $914-49.4% | $2,551-81.9% |
| Participant deferral / active EE | $1,342 | $1,171+14.6% | $1,790-25.0% | $4,139-67.6% |
| Admin fee / account holder | $519 | $1,962-73.5% | $2,495-79.2% | $7,234-92.8% |