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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 | $24,569 | $55,470-55.7% | $155,556-84.2% | $74,478-67.0% |
| Participation rate | 32.7% | 61.9%-29.2pp | 78.2%-45.5pp | 67.2%-34.5pp |
| Annual return | 13.40% | 269.80%-256.4pp | 64.84%-51.4pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $622 | $2,267-72.6% | $4,675-86.7% | $2,626-76.3% |
| Participant deferral / active EE | $1,477 | $2,838-48.0% | $5,631-73.8% | $4,350-66.1% |
| Admin fee / account holder | $2,862 | $1,744+64.1% | $15,885-82.0% | $1,946+47.1% |