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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 | $38,874 | $58,726-33.8% | $142,898-72.8% | $85,847-54.7% |
| Participation rate | 23.9% | 58.5%-34.6pp | 72.0%-48.0pp | 69.3%-45.4pp |
| Annual return | 14.42% | 27.73%-13.3pp | 5639.64%-5625.2pp | 318.61%-304.2pp |
| Employer contribution / active EE | $729 | $1,424-48.8% | $4,146-82.4% | $2,565-71.6% |
| Participant deferral / active EE | $1,332 | $2,609-49.0% | $3,838-65.3% | $3,952-66.3% |
| Admin fee / account holder | $2,509 | $4,234-40.7% | $6,560-61.7% | $6,261-59.9% |