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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 | $26,780 | $55,470-51.7% | $155,556-82.8% | $74,478-64.0% |
| Participation rate | 28.8% | 61.9%-33.1pp | 78.2%-49.4pp | 67.2%-38.4pp |
| Annual return | 16.69% | 269.80%-253.1pp | 64.84%-48.1pp | 1370.56%-1353.9pp |
| Employer contribution / active EE | $445 | $2,267-80.4% | $4,675-90.5% | $2,626-83.1% |
| Participant deferral / active EE | $865 | $2,838-69.5% | $5,631-84.6% | $4,350-80.1% |
| Admin fee / account holder | $2,211 | $1,744+26.7% | $15,885-86.1% | $1,946+13.6% |