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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 | $34,497 | $55,446-37.8% | $155,574-77.8% | $74,429-53.7% |
| Participation rate | 48.7% | 61.9%-13.2pp | 78.2%-29.5pp | 67.2%-18.5pp |
| Annual return | 15.06% | 269.20%-254.1pp | 64.87%-49.8pp | 1368.38%-1353.3pp |
| Employer contribution / active EE | $926 | $2,266-59.1% | $4,676-80.2% | $2,625-64.7% |
| Participant deferral / active EE | $2,500 | $2,836-11.8% | $5,629-55.6% | $4,348-42.5% |
| Admin fee / account holder | $7,307 | $1,743+319.2% | $15,914-54.1% | $1,944+275.8% |