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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 | $31,468 | $63,346-50.3% | $92,240-65.9% | $70,126-55.1% |
| Participation rate | 57.1% | 68.7%-11.5pp | 76.5%-19.3pp | 69.5%-12.4pp |
| Annual return | 13.84% | 530.19%-516.4pp | 176.29%-162.5pp | 73.15%-59.3pp |
| Employer contribution / active EE | $1,850 | $2,471-25.1% | $3,680-49.7% | $2,343-21.0% |
| Participant deferral / active EE | $2,666 | $2,854-6.6% | $3,897-31.6% | $3,332-20.0% |
| Admin fee / account holder | $748 | $3,841-80.5% | $5,194-85.6% | $4,645-83.9% |