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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 | $19,950 | $110,551-82.0% | $80,741-75.3% | $167,536-88.1% |
| Participation rate | 34.8% | 64.0%-29.2pp | 54.2%-19.4pp | 82.1%-47.3pp |
| Annual return | 16.14% | 120.57%-104.4pp | 87.30%-71.2pp | 478.82%-462.7pp |
| Employer contribution / active EE | $571 | $1,543-63.0% | $1,160-50.7% | $4,839-88.2% |
| Participant deferral / active EE | $2,247 | $2,870-21.7% | $2,145+4.8% | $6,342-64.6% |
| Admin fee / account holder | $402 | $4,547-91.2% | $3,380-88.1% | $12,315-96.7% |