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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 | $18,166 | $65,566-72.3% | $86,235-78.9% | $75,177-75.8% |
| Participation rate | 44.9% | 60.5%-15.6pp | 69.0%-24.0pp | 67.2%-22.3pp |
| Annual return | 24.25% | 46.07%-21.8pp | 1170.03%-1145.8pp | 160.75%-136.5pp |
| Employer contribution / active EE | $973 | $1,553-37.3% | $2,381-59.1% | $2,671-63.6% |
| Participant deferral / active EE | $4,671 | $3,023+54.5% | $3,987+17.2% | $4,126+13.2% |
| Admin fee / account holder | $1,044 | $5,470-80.9% | $6,856-84.8% | $5,651-81.5% |