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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 | $31,408 | $68,398-54.1% | $94,664-66.8% | $75,173-58.2% |
| Participation rate | 59.3% | 76.1%-16.8pp | 80.8%-21.6pp | 67.2%-7.9pp |
| Annual return | 19.29% | 616.72%-597.4pp | 156.84%-137.6pp | 160.72%-141.4pp |
| Employer contribution / active EE | $1,591 | $2,701-41.1% | $3,673-56.7% | $2,671-40.4% |
| Participant deferral / active EE | $4,975 | $6,537-23.9% | $7,417-32.9% | $4,126+20.6% |
| Admin fee / account holder | $389 | $5,324-92.7% | $7,222-94.6% | $5,651-93.1% |