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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 | $17,450 | $58,241-70.0% | $81,780-78.7% | $80,911-78.4% |
| Participation rate | 49.3% | 63.4%-14.2pp | 72.4%-23.1pp | 67.6%-18.4pp |
| Annual return | 17.15% | 41.73%-24.6pp | 776.27%-759.1pp | 35.63%-18.5pp |
| Employer contribution / active EE | $1,118 | $2,343-52.3% | $2,914-61.6% | $2,756-59.4% |
| Participant deferral / active EE | $2,594 | $3,283-21.0% | $4,321-40.0% | $4,297-39.6% |
| Admin fee / account holder | $4,906 | $4,973-1.3% | $7,384-33.6% | $6,935-29.2% |