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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 | $55,446-51.7% | $155,574-82.8% | $74,429-64.0% |
| Participation rate | 28.8% | 61.9%-33.1pp | 78.2%-49.4pp | 67.2%-38.4pp |
| Annual return | 16.69% | 269.20%-252.5pp | 64.87%-48.2pp | 1368.38%-1351.7pp |
| Employer contribution / active EE | $445 | $2,266-80.4% | $4,676-90.5% | $2,625-83.1% |
| Participant deferral / active EE | $865 | $2,836-69.5% | $5,629-84.6% | $4,348-80.1% |
| Admin fee / account holder | $2,211 | $1,743+26.8% | $15,914-86.1% | $1,944+13.7% |