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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 | $28,390 | $99,921-71.6% | $85,009-66.6% | $145,959-80.5% |
| Participation rate | 52.9% | 74.1%-21.2pp | 67.5%-14.6pp | 80.3%-27.3pp |
| Annual return | 12.28% | 83.89%-71.6pp | 66.47%-54.2pp | 561.95%-549.7pp |
| Employer contribution / active EE | $546 | $3,233-83.1% | $2,728-80.0% | $4,661-88.3% |
| Participant deferral / active EE | $4,086 | $5,293-22.8% | $4,522-9.6% | $6,689-38.9% |
| Admin fee / account holder | $8,883 | $7,252+22.5% | $6,153+44.4% | $13,398-33.7% |