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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 | $56,867 | $56,431+0.8% | $130,788-56.5% | $87,485-35.0% |
| Participation rate | 58.1% | 58.9%-0.9pp | 70.1%-12.0pp | 68.9%-10.9pp |
| Annual return | 17.45% | 91.27%-73.8pp | 386.44%-369.0pp | 26.06%-8.6pp |
| Employer contribution / active EE | $711 | $1,549-54.1% | $3,558-80.0% | $2,596-72.6% |
| Participant deferral / active EE | $1,674 | $2,749-39.1% | $4,137-59.5% | $4,274-60.8% |
| Admin fee / account holder | $504 | $4,433-88.6% | $6,673-92.4% | $7,775-93.5% |