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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 | $5,616 | $28,624-80.4% | $53,647-89.5% | $82,637-93.2% |
| Participation rate | 59.0% | 47.3%+11.7pp | 56.3%+2.7pp | 68.1%-9.1pp |
| Annual return | 24.44% | 664.98%-640.5pp | 358.33%-333.9pp | 53.51%-29.1pp |
| Employer contribution / active EE | $888 | $637+39.5% | $962-7.7% | $2,552-65.2% |
| Participant deferral / active EE | $2,171 | $1,196+81.5% | $1,813+19.8% | $4,126-47.4% |
| Admin fee / account holder | $388 | $2,022-80.8% | $2,460-84.2% | $7,339-94.7% |