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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 | $21,226 | $30,421-30.2% | $56,077-62.1% | $74,429-71.5% |
| Participation rate | 38.6% | 32.9%+5.8pp | 52.5%-13.9pp | 67.2%-28.6pp |
| Annual return | 13.20% | 24.94%-11.7pp | 1709.28%-1696.1pp | 1368.38%-1355.2pp |
| Employer contribution / active EE | $494 | $610-18.9% | $1,040-52.5% | $2,625-81.2% |
| Participant deferral / active EE | $587 | $1,175-50.0% | $1,954-70.0% | $4,348-86.5% |
| Admin fee / account holder | $2,070 | $2,363-12.4% | $2,825-26.7% | $1,944+6.5% |