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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 | $111,785-79.1% | $93,669-75.0% | $145,877-84.0% |
| Participation rate | 63.6% | 74.2%-10.6pp | 68.7%-5.1pp | 80.3%-16.7pp |
| Annual return | 13.22% | 203.79%-190.6pp | 133.59%-120.4pp | 551.28%-538.1pp |
| Employer contribution / active EE | $640 | $3,096-79.3% | $2,424-73.6% | $4,663-86.3% |
| Participant deferral / active EE | $1,970 | $4,919-59.9% | $4,416-55.4% | $6,691-70.6% |
| Admin fee / account holder | $4,261 | $10,256-58.4% | $8,291-48.6% | $13,402-68.2% |