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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 | $61,293 | $26,936+127.6% | $53,647+14.3% | $71,012-13.7% |
| Participation rate | 3.6% | 21.9%-18.3pp | 56.3%-52.7pp | 58.6%-55.0pp |
| Annual return | 22.37% | 81.59%-59.2pp | 358.33%-336.0pp | 37.67%-15.3pp |
| Employer contribution / active EE | $180 | $335-46.2% | $962-81.3% | $2,348-92.3% |
| Participant deferral / active EE | $379 | $590-35.8% | $1,813-79.1% | $3,246-88.3% |
| Admin fee / account holder | $640 | $2,177-70.6% | $2,460-74.0% | $1,167-45.1% |