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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 | $26,752 | $53,063-49.6% | $124,206-78.5% | $82,637-67.6% |
| Participation rate | 60.0% | 58.4%+1.6pp | 69.6%-9.6pp | 68.1%-8.1pp |
| Annual return | 17.77% | 68.87%-51.1pp | 515.27%-497.5pp | 53.51%-35.7pp |
| Employer contribution / active EE | $2,641 | $1,530+72.6% | $3,540-25.4% | $2,552+3.5% |
| Participant deferral / active EE | $2,031 | $2,644-23.2% | $3,968-48.8% | $4,126-50.8% |
| Admin fee / account holder | $814 | $4,281-81.0% | $5,929-86.3% | $7,339-88.9% |