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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 | $40,151 | $49,891-19.5% | $80,607-50.2% | $75,181-46.6% |
| Participation rate | 33.3% | 55.3%-22.0pp | 67.0%-33.7pp | 67.2%-33.9pp |
| Annual return | 16.51% | 34.67%-18.2pp | 936.11%-919.6pp | 160.69%-144.2pp |
| Employer contribution / active EE | $871 | $1,698-48.7% | $2,724-68.0% | $2,671-67.4% |
| Participant deferral / active EE | $1,519 | $2,991-49.2% | $4,448-65.8% | $4,126-63.2% |
| Admin fee / account holder | $7,691 | $3,578+115.0% | $5,379+43.0% | $5,650+36.1% |