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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 | $28,819 | $108,685-73.5% | $74,719-61.4% | $152,885-81.2% |
| Participation rate | 41.7% | 65.3%-23.7pp | 54.5%-12.8pp | 82.5%-40.8pp |
| Annual return | 26.20% | 114.09%-87.9pp | 753.05%-726.9pp | 345.39%-319.2pp |
| Employer contribution / active EE | $600 | $1,504-60.1% | $1,084-44.7% | $4,763-87.4% |
| Participant deferral / active EE | $2,016 | $2,712-25.7% | $1,963+2.7% | $5,851-65.5% |
| Admin fee / account holder | $630 | $4,905-87.2% | $3,334-81.1% | $11,598-94.6% |