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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 | $23,960 | $56,116-57.3% | $135,768-82.4% | $86,983-72.5% |
| Participation rate | 66.7% | 60.1%+6.5pp | 71.1%-4.4pp | 69.5%-2.9pp |
| Annual return | 20.28% | 125.33%-105.0pp | 526.10%-505.8pp | 25.83%-5.6pp |
| Employer contribution / active EE | $513 | $1,528-66.4% | $3,394-84.9% | $2,584-80.1% |
| Participant deferral / active EE | $2,553 | $2,690-5.1% | $3,977-35.8% | $4,194-39.1% |
| Admin fee / account holder | $933 | $4,314-78.4% | $7,048-86.8% | $7,856-88.1% |