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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 | $55,446-55.7% | $155,574-84.2% | $74,429-67.0% |
| Participation rate | 32.7% | 61.9%-29.2pp | 78.2%-45.5pp | 67.2%-34.5pp |
| Annual return | 13.40% | 269.20%-255.8pp | 64.87%-51.5pp | 1368.38%-1355.0pp |
| Employer contribution / active EE | $622 | $2,266-72.6% | $4,676-86.7% | $2,625-76.3% |
| Participant deferral / active EE | $1,477 | $2,836-47.9% | $5,629-73.8% | $4,348-66.0% |
| Admin fee / account holder | $2,862 | $1,743+64.2% | $15,914-82.0% | $1,944+47.2% |