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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 | $30,313 | $29,667+2.2% | $56,441-46.3% | $80,874-62.5% |
| Participation rate | 40.0% | 41.7%-1.7pp | 52.5%-12.5pp | 67.6%-27.6pp |
| Annual return | 87.14% | 35.22%+51.9pp | 1704.21%-1617.1pp | 35.62%+51.5pp |
| Employer contribution / active EE | $231 | $669-65.5% | $1,039-77.8% | $2,756-91.6% |
| Participant deferral / active EE | $555 | $1,227-54.8% | $1,953-71.6% | $4,297-87.1% |
| Admin fee / account holder | $7,766 | $2,429+219.7% | $2,829+174.5% | $6,935+12.0% |