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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 | $22,819 | $55,470-58.9% | $155,556-85.3% | $74,478-69.4% |
| Participation rate | 27.7% | 61.9%-34.2pp | 78.2%-50.5pp | 67.2%-39.5pp |
| Annual return | 13.71% | 269.80%-256.1pp | 64.84%-51.1pp | 1370.56%-1356.8pp |
| Employer contribution / active EE | $643 | $2,267-71.6% | $4,675-86.2% | $2,626-75.5% |
| Participant deferral / active EE | $908 | $2,838-68.0% | $5,631-83.9% | $4,350-79.1% |
| Admin fee / account holder | $1,283 | $1,744-26.4% | $15,885-91.9% | $1,946-34.1% |