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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 | $52,610 | $50,637+3.9% | $86,581-39.2% | $62,293-15.5% |
| Participation rate | 61.1% | 67.9%-6.8pp | 73.5%-12.5pp | 69.5%-8.5pp |
| Annual return | 18.68% | 20.80%-2.1pp | 965.06%-946.4pp | 28.90%-10.2pp |
| Employer contribution / active EE | $423 | $2,075-79.6% | $2,840-85.1% | $2,042-79.3% |
| Participant deferral / active EE | $1,364 | $2,611-47.8% | $3,609-62.2% | $3,169-57.0% |
| Admin fee / account holder | $1,789 | $413+332.9% | $4,904-63.5% | $479+273.3% |