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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 | $55,934 | $60,139-7.0% | $90,461-38.2% | $79,856-30.0% |
| Participation rate | 35.8% | 65.0%-29.2pp | 72.7%-36.9pp | 69.6%-33.8pp |
| Annual return | 14.21% | 71.96%-57.8pp | 1294.76%-1280.6pp | 31.71%-17.5pp |
| Employer contribution / active EE | $504 | $2,069-75.6% | $3,264-84.5% | $2,471-79.6% |
| Participant deferral / active EE | $4,340 | $2,939+47.7% | $3,964+9.5% | $3,741+16.0% |
| Admin fee / account holder | $3,930 | $3,978-1.2% | $5,617-30.0% | $5,306-25.9% |