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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 | $42,323 | $59,467-28.8% | $93,727-54.8% | $74,478-43.2% |
| Participation rate | 31.4% | 59.6%-28.2pp | 68.7%-37.3pp | 67.2%-35.8pp |
| Annual return | 18.86% | 82.14%-63.3pp | 133.83%-115.0pp | 1370.56%-1351.7pp |
| Employer contribution / active EE | $639 | $1,267-49.6% | $2,421-73.6% | $2,626-75.7% |
| Participant deferral / active EE | $1,376 | $3,052-54.9% | $4,417-68.8% | $4,350-68.4% |
| Admin fee / account holder | $2,667 | $3,028-11.9% | $8,292-67.8% | $1,946+37.1% |