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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 | $58,275-70.1% | $81,844-78.7% | $80,935-78.4% |
| Participation rate | 49.3% | 63.5%-14.2pp | 72.4%-23.1pp | 67.7%-18.4pp |
| Annual return | 17.15% | 41.82%-24.7pp | 778.87%-761.7pp | 35.66%-18.5pp |
| Employer contribution / active EE | $1,118 | $2,346-52.4% | $2,916-61.7% | $2,757-59.5% |
| Participant deferral / active EE | $2,594 | $3,285-21.1% | $4,323-40.0% | $4,299-39.7% |
| Admin fee / account holder | $4,906 | $4,749+3.3% | $7,355-33.3% | $6,924-29.1% |