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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 | $23,406 | $111,878-79.1% | $93,727-75.0% | $145,897-84.0% |
| Participation rate | 63.6% | 74.2%-10.6pp | 68.7%-5.1pp | 80.3%-16.7pp |
| Annual return | 13.22% | 204.28%-191.1pp | 133.83%-120.6pp | 552.29%-539.1pp |
| Employer contribution / active EE | $640 | $3,092-79.3% | $2,421-73.6% | $4,663-86.3% |
| Participant deferral / active EE | $1,970 | $4,920-60.0% | $4,417-55.4% | $6,689-70.6% |
| Admin fee / account holder | $4,261 | $10,256-58.5% | $8,292-48.6% | $13,390-68.2% |