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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 | $23,836 | $72,177-67.0% | $115,037-79.3% | $59,632-60.0% |
| Participation rate | 54.7% | 72.6%-17.9pp | 81.4%-26.7pp | 68.7%-14.0pp |
| Annual return | 68.65% | 12.02%+56.6pp | 26.14%+42.5pp | 2041.32%-1972.7pp |
| Employer contribution / active EE | $1,587 | $2,841-44.1% | $4,608-65.6% | $2,203-27.9% |
| Participant deferral / active EE | $4,420 | $4,783-7.6% | $6,026-26.7% | $3,192+38.5% |
| Admin fee / account holder | $14,199 | $4,927+188.2% | $8,175+73.7% | $4,297+230.4% |