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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 | $26,145 | $118,877-78.0% | $96,570-72.9% | $167,536-84.4% |
| Participation rate | 55.0% | 75.5%-20.5pp | 69.8%-14.8pp | 82.1%-27.1pp |
| Annual return | 19.20% | 50.50%-31.3pp | 37.79%-18.6pp | 478.82%-459.6pp |
| Employer contribution / active EE | $983 | $3,121-68.5% | $2,357-58.3% | $4,839-79.7% |
| Participant deferral / active EE | $3,784 | $4,617-18.0% | $3,849-1.7% | $6,342-40.3% |
| Admin fee / account holder | $1,236 | $8,069-84.7% | $6,182-80.0% | $12,315-90.0% |