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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 | $31,305 | $60,139-47.9% | $90,461-65.4% | $79,856-60.8% |
| Participation rate | 65.6% | 65.0%+0.6pp | 72.7%-7.1pp | 69.6%-4.0pp |
| Annual return | 38.10% | 71.96%-33.9pp | 1294.76%-1256.7pp | 31.71%+6.4pp |
| Employer contribution / active EE | $253 | $2,069-87.8% | $3,264-92.2% | $2,471-89.8% |
| Participant deferral / active EE | $1,850 | $2,939-37.0% | $3,964-53.3% | $3,741-50.5% |
| Admin fee / account holder | $1,186 | $3,978-70.2% | $5,617-78.9% | $5,306-77.7% |