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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 | $27,036 | $59,456-54.5% | $93,669-71.1% | $74,429-63.7% |
| Participation rate | 51.1% | 59.6%-8.6pp | 68.7%-17.7pp | 67.2%-16.2pp |
| Annual return | 13.36% | 82.00%-68.6pp | 133.59%-120.2pp | 1368.38%-1355.0pp |
| Employer contribution / active EE | $1,613 | $1,266+27.4% | $2,424-33.5% | $2,625-38.6% |
| Participant deferral / active EE | $2,420 | $3,052-20.7% | $4,416-45.2% | $4,348-44.3% |
| Admin fee / account holder | $1,271 | $3,026-58.0% | $8,291-84.7% | $1,944-34.6% |