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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 | $27,377 | $51,638-47.0% | $68,368-60.0% | $82,448-66.8% |
| Participation rate | 35.3% | 63.6%-28.3pp | 73.8%-38.5pp | 68.1%-32.8pp |
| Annual return | 90.05% | 37.53%+52.5pp | 292.57%-202.5pp | 41.64%+48.4pp |
| Employer contribution / active EE | $1,003 | $2,047-51.0% | $2,649-62.1% | $2,551-60.7% |
| Participant deferral / active EE | $1,249 | $2,914-57.1% | $4,123-69.7% | $4,139-69.8% |
| Admin fee / account holder | $1,619 | $4,643-65.1% | $5,150-68.6% | $7,234-77.6% |