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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 | $20,083 | $53,837-62.7% | $75,714-73.5% | $85,847-76.6% |
| Participation rate | 53.1% | 69.1%-15.9pp | 74.8%-21.7pp | 69.3%-16.2pp |
| Annual return | 14.32% | 24.54%-10.2pp | 104.62%-90.3pp | 318.61%-304.3pp |
| Employer contribution / active EE | $1,038 | $2,017-48.5% | $2,744-62.2% | $2,565-59.5% |
| Participant deferral / active EE | $3,539 | $2,895+22.2% | $3,820-7.4% | $3,952-10.5% |
| Admin fee / account holder | $606 | $3,339-81.8% | $3,619-83.2% | $6,261-90.3% |