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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 | $28,451 | $27,936+1.8% | $58,561-51.4% | $75,173-62.2% |
| Participation rate | 18.5% | 38.8%-20.3pp | 50.9%-32.4pp | 67.2%-48.7pp |
| Annual return | 30.65% | 44.21%-13.6pp | 4251.33%-4220.7pp | 160.72%-130.1pp |
| Employer contribution / active EE | $613 | $670-8.5% | $1,053-41.8% | $2,671-77.1% |
| Participant deferral / active EE | $2,211 | $1,202+84.0% | $1,923+15.0% | $4,126-46.4% |
| Admin fee / account holder | $729 | $1,727-57.8% | $2,520-71.1% | $5,651-87.1% |