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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 | $58,258-56.1% | $81,820-68.7% | $80,925-68.4% |
| Participation rate | 44.4% | 63.5%-19.0pp | 72.4%-27.9pp | 67.7%-23.2pp |
| Annual return | 16.82% | 41.76%-24.9pp | 777.93%-761.1pp | 35.65%-18.8pp |
| Employer contribution / active EE | $566 | $2,345-75.9% | $2,915-80.6% | $2,756-79.5% |
| Participant deferral / active EE | $1,634 | $3,284-50.2% | $4,323-62.2% | $4,299-62.0% |
| Admin fee / account holder | $1,264 | $4,976-74.6% | $7,391-82.9% | $6,940-81.8% |