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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 | $30,423-30.2% | $56,025-62.1% | $74,478-71.5% |
| Participation rate | 38.6% | 32.9%+5.7pp | 52.5%-13.9pp | 67.2%-28.6pp |
| Annual return | 13.20% | 24.97%-11.8pp | 1712.69%-1699.5pp | 1370.56%-1357.4pp |
| Employer contribution / active EE | $494 | $610-19.0% | $1,042-52.5% | $2,626-81.2% |
| Participant deferral / active EE | $587 | $1,176-50.1% | $1,955-70.0% | $4,350-86.5% |
| Admin fee / account holder | $2,070 | $2,363-12.4% | $2,828-26.8% | $1,946+6.4% |