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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 | $19,591 | $55,437-64.7% | $155,534-87.4% | $74,459-73.7% |
| Participation rate | 34.8% | 61.9%-27.1pp | 78.2%-43.4pp | 67.2%-32.4pp |
| Annual return | 28.39% | 269.58%-241.2pp | 64.92%-36.5pp | 1369.70%-1341.3pp |
| Employer contribution / active EE | $551 | $2,266-75.7% | $4,675-88.2% | $2,626-79.0% |
| Participant deferral / active EE | $1,713 | $2,837-39.6% | $5,630-69.6% | $4,350-60.6% |
| Admin fee / account holder | $2,205 | $1,742+26.6% | $15,900-86.1% | $1,945+13.4% |