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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 | $30,051 | $58,241-48.4% | $81,780-63.3% | $80,911-62.9% |
| Participation rate | 44.9% | 63.4%-18.5pp | 72.4%-27.4pp | 67.6%-22.7pp |
| Annual return | 11.65% | 41.73%-30.1pp | 776.27%-764.6pp | 35.63%-24.0pp |
| Employer contribution / active EE | $844 | $2,343-64.0% | $2,914-71.0% | $2,756-69.4% |
| Participant deferral / active EE | $1,494 | $3,283-54.5% | $4,321-65.4% | $4,297-65.2% |
| Admin fee / account holder | $4,280 | $4,973-13.9% | $7,384-42.0% | $6,935-38.3% |