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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 | $52,412 | $103,008-49.1% | $90,304-42.0% | $152,897-65.7% |
| Participation rate | 50.0% | 75.9%-25.9pp | 73.3%-23.3pp | 82.5%-32.5pp |
| Annual return | 30.09% | 95.22%-65.1pp | 78.13%-48.0pp | 345.43%-315.3pp |
| Employer contribution / active EE | $259 | $3,139-91.8% | $2,855-90.9% | $4,764-94.6% |
| Participant deferral / active EE | $1,529 | $4,281-64.3% | $3,885-60.7% | $5,851-73.9% |
| Admin fee / account holder | $371 | $6,175-94.0% | $5,354-93.1% | $11,599-96.8% |