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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 | $21,159 | $29,319-27.8% | $52,425-59.6% | $82,448-74.3% |
| Participation rate | 44.9% | 46.9%-1.9pp | 55.6%-10.7pp | 68.1%-23.1pp |
| Annual return | 20.09% | 535.20%-515.1pp | 302.12%-282.0pp | 41.64%-21.6pp |
| Employer contribution / active EE | $860 | $586+46.6% | $914-6.0% | $2,551-66.3% |
| Participant deferral / active EE | $1,675 | $1,171+43.0% | $1,790-6.5% | $4,139-59.5% |
| Admin fee / account holder | $1,340 | $1,962-31.7% | $2,495-46.3% | $7,234-81.5% |