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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 | $25,579 | $58,311-56.1% | $81,882-68.8% | $80,959-68.4% |
| Participation rate | 44.4% | 63.5%-19.0pp | 72.4%-27.9pp | 67.7%-23.2pp |
| Annual return | 16.82% | 41.85%-25.0pp | 779.47%-762.7pp | 35.67%-18.8pp |
| Employer contribution / active EE | $566 | $2,347-75.9% | $2,916-80.6% | $2,757-79.5% |
| Participant deferral / active EE | $1,634 | $3,287-50.3% | $4,323-62.2% | $4,300-62.0% |
| Admin fee / account holder | $1,264 | $4,752-73.4% | $7,360-82.8% | $6,925-81.7% |