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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 | $58,879 | $52,380+12.4% | $98,755-40.4% | $85,856-31.4% |
| Participation rate | 24.4% | 58.0%-33.5pp | 65.7%-41.3pp | 69.3%-44.9pp |
| Annual return | 16.55% | 25.82%-9.3pp | 49.91%-33.4pp | 318.58%-302.0pp |
| Employer contribution / active EE | $512 | $1,337-61.8% | $2,067-75.3% | $2,565-80.1% |
| Participant deferral / active EE | $1,720 | $2,101-18.2% | $3,035-43.3% | $3,952-56.5% |
| Admin fee / account holder | $494 | $3,865-87.2% | $4,076-87.9% | $6,261-92.1% |