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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 | $32,427 | $55,453-41.5% | $170,435-81.0% | $62,293-47.9% |
| Participation rate | 56.8% | 66.4%-9.6pp | 83.6%-26.8pp | 69.5%-12.7pp |
| Annual return | 370.37% | 21.38%+349.0pp | 205.94%+164.4pp | 28.90%+341.5pp |
| Employer contribution / active EE | $312 | $2,164-85.6% | $5,432-94.3% | $2,042-84.7% |
| Participant deferral / active EE | $1,941 | $2,303-15.7% | $4,939-60.7% | $3,169-38.8% |
| Admin fee / account holder | $1,357 | $455+198.3% | $13,881-90.2% | $479+183.2% |