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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 | $28,299 | $48,432-41.6% | $121,204-76.7% | $71,511-60.4% |
| Participation rate | 34.5% | 54.3%-19.9pp | 69.5%-35.1pp | 67.9%-33.5pp |
| Annual return | 39.51% | 23.28%+16.2pp | 987.18%-947.7pp | 28.86%+10.7pp |
| Employer contribution / active EE | $0 | $1,493-100.0% | $4,170-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $2,355 | $2,756-14.6% | $4,083-42.3% | $4,291-45.1% |
| Admin fee / account holder | $1,493 | $1,845-19.0% | $5,651-73.6% | $1,588-6.0% |