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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 | $31,721 | $55,446-42.8% | $155,574-79.6% | $74,429-57.4% |
| Participation rate | 27.5% | 61.9%-34.4pp | 78.2%-50.7pp | 67.2%-39.7pp |
| Annual return | 15.40% | 269.20%-253.8pp | 64.87%-49.5pp | 1368.38%-1353.0pp |
| Employer contribution / active EE | $724 | $2,266-68.0% | $4,676-84.5% | $2,625-72.4% |
| Participant deferral / active EE | $1,451 | $2,836-48.8% | $5,629-74.2% | $4,348-66.6% |
| Admin fee / account holder | $2,667 | $1,743+53.0% | $15,914-83.2% | $1,944+37.2% |