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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 | $19,234 | $53,128-63.8% | $86,582-77.8% | $70,126-72.6% |
| Participation rate | 31.4% | 65.3%-33.9pp | 73.5%-42.1pp | 69.5%-38.1pp |
| Annual return | 20.21% | 27.66%-7.5pp | 965.08%-944.9pp | 73.15%-52.9pp |
| Employer contribution / active EE | $646 | $2,068-68.8% | $2,839-77.2% | $2,343-72.4% |
| Participant deferral / active EE | $1,470 | $2,695-45.5% | $3,609-59.3% | $3,332-55.9% |
| Admin fee / account holder | $973 | $3,584-72.8% | $4,904-80.2% | $4,645-79.0% |