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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 | $28,974 | $103,008-71.9% | $90,304-67.9% | $152,897-81.1% |
| Participation rate | 46.2% | 75.9%-29.7pp | 73.3%-27.1pp | 82.5%-36.3pp |
| Annual return | 16.47% | 95.22%-78.8pp | 78.13%-61.7pp | 345.43%-329.0pp |
| Employer contribution / active EE | $795 | $3,139-74.7% | $2,855-72.2% | $4,764-83.3% |
| Participant deferral / active EE | $1,060 | $4,281-75.2% | $3,885-72.7% | $5,851-81.9% |
| Admin fee / account holder | $514 | $6,175-91.7% | $5,354-90.4% | $11,599-95.6% |