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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 | $31,281 | $55,470-43.6% | $155,556-79.9% | $74,478-58.0% |
| Participation rate | 39.6% | 61.9%-22.3pp | 78.2%-38.7pp | 67.2%-27.7pp |
| Annual return | 11.77% | 269.80%-258.0pp | 64.84%-53.1pp | 1370.56%-1358.8pp |
| Employer contribution / active EE | $560 | $2,267-75.3% | $4,675-88.0% | $2,626-78.7% |
| Participant deferral / active EE | $1,196 | $2,838-57.8% | $5,631-78.8% | $4,350-72.5% |
| Admin fee / account holder | $1,155 | $1,744-33.8% | $15,885-92.7% | $1,946-40.6% |