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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 | $26,049 | $60,139-56.7% | $90,461-71.2% | $79,856-67.4% |
| Participation rate | 59.5% | 65.0%-5.5pp | 72.7%-13.2pp | 69.6%-10.1pp |
| Annual return | 13.51% | 71.96%-58.4pp | 1294.76%-1281.2pp | 31.71%-18.2pp |
| Employer contribution / active EE | $835 | $2,069-59.7% | $3,264-74.4% | $2,471-66.2% |
| Participant deferral / active EE | $1,862 | $2,939-36.6% | $3,964-53.0% | $3,741-50.2% |
| Admin fee / account holder | $432 | $3,978-89.2% | $5,617-92.3% | $5,306-91.9% |