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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 | $37,721 | $27,936+35.0% | $58,561-35.6% | $75,173-49.8% |
| Participation rate | 11.5% | 38.8%-27.3pp | 50.9%-39.3pp | 67.2%-55.7pp |
| Annual return | 20.71% | 44.21%-23.5pp | 4251.33%-4230.6pp | 160.72%-140.0pp |
| Employer contribution / active EE | $306 | $670-54.3% | $1,053-70.9% | $2,671-88.5% |
| Participant deferral / active EE | $1,282 | $1,202+6.7% | $1,923-33.3% | $4,126-68.9% |
| Admin fee / account holder | $2,944 | $1,727+70.5% | $2,520+16.8% | $5,651-47.9% |