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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 | $31,446 | $27,936+12.6% | $58,561-46.3% | $75,173-58.2% |
| Participation rate | 20.8% | 38.8%-18.1pp | 50.9%-30.1pp | 67.2%-46.4pp |
| Annual return | 15.81% | 44.21%-28.4pp | 4251.33%-4235.5pp | 160.72%-144.9pp |
| Employer contribution / active EE | $793 | $670+18.5% | $1,053-24.7% | $2,671-70.3% |
| Participant deferral / active EE | $1,612 | $1,202+34.1% | $1,923-16.2% | $4,126-60.9% |
| Admin fee / account holder | $11,557 | $1,727+569.3% | $2,520+358.5% | $5,651+104.5% |