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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 | $55,423-42.8% | $155,602-79.6% | $74,400-57.4% |
| Participation rate | 27.5% | 61.9%-34.4pp | 78.2%-50.7pp | 67.2%-39.7pp |
| Annual return | 15.40% | 269.07%-253.7pp | 64.81%-49.4pp | 1367.51%-1352.1pp |
| Employer contribution / active EE | $724 | $2,266-68.0% | $4,675-84.5% | $2,624-72.4% |
| Participant deferral / active EE | $1,451 | $2,835-48.8% | $5,629-74.2% | $4,348-66.6% |
| Admin fee / account holder | $2,667 | $1,744+52.9% | $15,923-83.3% | $1,944+37.2% |