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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 | $58,258-67.1% | $81,820-76.5% | $80,925-76.3% |
| Participation rate | 50.0% | 63.5%-13.5pp | 72.4%-22.4pp | 67.7%-17.7pp |
| Annual return | 12.32% | 41.76%-29.4pp | 777.93%-765.6pp | 35.65%-23.3pp |
| Employer contribution / active EE | $1,221 | $2,345-47.9% | $2,915-58.1% | $2,756-55.7% |
| Participant deferral / active EE | $3,914 | $3,284+19.2% | $4,323-9.5% | $4,299-9.0% |
| Admin fee / account holder | $1,628 | $4,976-67.3% | $7,391-78.0% | $6,940-76.5% |