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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 | $41,613 | $81,668-49.0% | $58,507-28.9% | $139,487-70.2% |
| Participation rate | 33.3% | 61.3%-28.0pp | 50.9%-17.5pp | 80.3%-47.0pp |
| Annual return | 22.21% | 7430.07%-7407.9pp | 4252.32%-4230.1pp | 373.84%-351.6pp |
| Employer contribution / active EE | $512 | $1,398-63.4% | $1,053-51.4% | $4,755-89.2% |
| Participant deferral / active EE | $4,129 | $2,554+61.7% | $1,922+114.8% | $6,713-38.5% |
| Admin fee / account holder | $341 | $3,212-89.4% | $2,486-86.3% | $11,407-97.0% |