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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 | $30,385-30.1% | $56,054-62.1% | $74,400-71.5% |
| Participation rate | 38.6% | 32.9%+5.7pp | 52.5%-13.8pp | 67.2%-28.6pp |
| Annual return | 13.20% | 24.92%-11.7pp | 1705.95%-1692.7pp | 1367.51%-1354.3pp |
| Employer contribution / active EE | $494 | $609-18.8% | $1,039-52.4% | $2,624-81.2% |
| Participant deferral / active EE | $587 | $1,174-50.0% | $1,952-69.9% | $4,348-86.5% |
| Admin fee / account holder | $2,070 | $2,361-12.3% | $2,822-26.7% | $1,944+6.5% |