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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 | $13,439 | $27,936-51.9% | $58,561-77.1% | $75,173-82.1% |
| Participation rate | 62.8% | 38.8%+23.9pp | 50.9%+11.9pp | 67.2%-4.4pp |
| Annual return | 20.31% | 44.21%-23.9pp | 4251.33%-4231.0pp | 160.72%-140.4pp |
| Employer contribution / active EE | $1,150 | $670+71.7% | $1,053+9.1% | $2,671-57.0% |
| Participant deferral / active EE | $1,593 | $1,202+32.6% | $1,923-17.2% | $4,126-61.4% |
| Admin fee / account holder | $1,685 | $1,727-2.4% | $2,520-33.1% | $5,651-70.2% |