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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 | $26,332 | $115,814-77.3% | $101,275-74.0% | $158,982-83.4% |
| Participation rate | 38.1% | 79.4%-41.3pp | 75.8%-37.7pp | 82.0%-43.9pp |
| Annual return | 22.25% | 56.16%-33.9pp | 46.48%-24.2pp | 302.99%-280.7pp |
| Employer contribution / active EE | $1,181 | $4,176-71.7% | $3,660-67.7% | $4,763-75.2% |
| Participant deferral / active EE | $1,857 | $4,958-62.5% | $4,371-57.5% | $5,983-69.0% |
| Admin fee / account holder | $1,588 | $7,249-78.1% | $5,948-73.3% | $11,252-85.9% |