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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 | $19,194 | $58,311-67.1% | $81,882-76.6% | $80,959-76.3% |
| Participation rate | 50.0% | 63.5%-13.5pp | 72.4%-22.4pp | 67.7%-17.7pp |
| Annual return | 12.32% | 41.85%-29.5pp | 779.47%-767.2pp | 35.67%-23.4pp |
| Employer contribution / active EE | $1,221 | $2,347-48.0% | $2,916-58.1% | $2,757-55.7% |
| Participant deferral / active EE | $3,914 | $3,287+19.1% | $4,323-9.5% | $4,300-9.0% |
| Admin fee / account holder | $1,628 | $4,752-65.7% | $7,360-77.9% | $6,925-76.5% |