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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 | $26,871 | $29,716-9.6% | $56,077-52.1% | $80,925-66.8% |
| Participation rate | 52.0% | 41.7%+10.3pp | 52.5%-0.5pp | 67.7%-15.7pp |
| Annual return | 15.17% | 35.30%-20.1pp | 1709.28%-1694.1pp | 35.65%-20.5pp |
| Employer contribution / active EE | $474 | $671-29.3% | $1,040-54.4% | $2,756-82.8% |
| Participant deferral / active EE | $2,256 | $1,228+83.6% | $1,954+15.5% | $4,299-47.5% |
| Admin fee / account holder | $910 | $2,432-62.6% | $2,825-67.8% | $6,940-86.9% |