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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 | $30,595 | $68,097-55.1% | $62,929-51.4% | $137,256-77.7% |
| Participation rate | 38.9% | 77.4%-38.6pp | 73.1%-34.2pp | 80.0%-41.1pp |
| Annual return | 19.34% | 1859.11%-1839.8pp | 1063.93%-1044.6pp | 220.34%-201.0pp |
| Employer contribution / active EE | $717 | $2,811-74.5% | $2,505-71.4% | $4,156-82.8% |
| Participant deferral / active EE | $3,082 | $4,553-32.3% | $3,888-20.7% | $6,407-51.9% |
| Admin fee / account holder | $574 | $6,521-91.2% | $5,065-88.7% | $12,270-95.3% |