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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 | $17,263 | $29,736-41.9% | $56,033-69.2% | $80,935-78.7% |
| Participation rate | 53.8% | 41.7%+12.1pp | 52.5%+1.4pp | 67.7%-13.8pp |
| Annual return | 11.83% | 35.28%-23.4pp | 1711.38%-1699.5pp | 35.66%-23.8pp |
| Employer contribution / active EE | $479 | $671-28.6% | $1,041-54.0% | $2,757-82.6% |
| Participant deferral / active EE | $770 | $1,228-37.3% | $1,954-60.6% | $4,299-82.1% |
| Admin fee / account holder | $2,345 | $2,434-3.7% | $2,827-17.1% | $6,924-66.1% |