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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 | $66,225 | $34,316+93.0% | $74,722-11.4% | $72,975-9.3% |
| Participation rate | 12.5% | 42.4%-29.9pp | 54.5%-42.0pp | 69.5%-57.0pp |
| Annual return | 23.67% | 26.58%-2.9pp | 753.11%-729.4pp | 81.01%-57.3pp |
| Employer contribution / active EE | $481 | $692-30.5% | $1,084-55.7% | $2,440-80.3% |
| Participant deferral / active EE | $1,633 | $1,272+28.4% | $1,963-16.8% | $3,608-54.7% |
| Admin fee / account holder | $416 | $2,125-80.4% | $3,335-87.5% | $5,124-91.9% |