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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 | $30,870 | $85,171-63.8% | $172,752-82.1% | $72,975-57.7% |
| Participation rate | 23.4% | 70.1%-46.7pp | 82.6%-59.2pp | 69.5%-46.1pp |
| Annual return | 23.42% | 27.32%-3.9pp | 802.97%-779.6pp | 81.01%-57.6pp |
| Employer contribution / active EE | $507 | $3,324-84.8% | $5,144-90.2% | $2,440-79.2% |
| Participant deferral / active EE | $974 | $3,260-70.1% | $5,198-81.3% | $3,608-73.0% |
| Admin fee / account holder | $1,677 | $5,880-71.5% | $13,955-88.0% | $5,124-67.3% |