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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 | $23,671 | $157,296-85.0% | $141,191-83.2% | $152,897-84.5% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 19.70% | 64.34%-44.6pp | 71.41%-51.7pp | 345.43%-325.7pp |
| Employer contribution / active EE | $1,896 | $5,262-64.0% | $4,736-60.0% | $4,764-60.2% |
| Participant deferral / active EE | $3,682 | $7,111-48.2% | $6,710-45.1% | $5,851-37.1% |
| Admin fee / account holder | $2,205 | $12,125-81.8% | $10,264-78.5% | $11,599-81.0% |