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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 | $55,661 | $29,733+87.2% | $56,025-0.6% | $80,959-31.2% |
| Participation rate | 11.1% | 41.7%-30.6pp | 52.5%-41.4pp | 67.7%-56.6pp |
| Annual return | 13.18% | 35.28%-22.1pp | 1712.69%-1699.5pp | 35.67%-22.5pp |
| Employer contribution / active EE | $302 | $672-55.0% | $1,042-71.0% | $2,757-89.0% |
| Participant deferral / active EE | $1,343 | $1,229+9.2% | $1,955-31.3% | $4,300-68.8% |
| Admin fee / account holder | $800 | $2,434-67.1% | $2,828-71.7% | $6,925-88.4% |