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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 | $29,042 | $29,319-0.9% | $52,425-44.6% | $82,448-64.8% |
| Participation rate | 24.2% | 46.9%-22.7pp | 55.6%-31.4pp | 68.1%-43.9pp |
| Annual return | 17.63% | 535.20%-517.6pp | 302.12%-284.5pp | 41.64%-24.0pp |
| Employer contribution / active EE | $422 | $586-28.1% | $914-53.9% | $2,551-83.5% |
| Participant deferral / active EE | $507 | $1,171-56.7% | $1,790-71.7% | $4,139-87.7% |
| Admin fee / account holder | $4,279 | $1,962+118.1% | $2,495+71.5% | $7,234-40.9% |