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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 | $19,149 | $108,695-82.4% | $74,722-74.4% | $152,897-87.5% |
| Participation rate | 23.8% | 65.4%-41.5pp | 54.5%-30.7pp | 82.5%-58.6pp |
| Annual return | 23.82% | 114.11%-90.3pp | 753.11%-729.3pp | 345.43%-321.6pp |
| Employer contribution / active EE | $373 | $1,504-75.2% | $1,084-65.6% | $4,764-92.2% |
| Participant deferral / active EE | $1,367 | $2,712-49.6% | $1,963-30.4% | $5,851-76.6% |
| Admin fee / account holder | $338 | $4,906-93.1% | $3,335-89.9% | $11,599-97.1% |