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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 | $34,290 | $59,448-42.3% | $93,696-63.4% | $74,459-53.9% |
| Participation rate | 31.4% | 59.6%-28.2pp | 68.7%-37.3pp | 67.2%-35.8pp |
| Annual return | 13.46% | 82.11%-68.6pp | 133.74%-120.3pp | 1369.70%-1356.2pp |
| Employer contribution / active EE | $809 | $1,266-36.2% | $2,422-66.6% | $2,626-69.2% |
| Participant deferral / active EE | $1,588 | $3,052-47.9% | $4,417-64.0% | $4,350-63.5% |
| Admin fee / account holder | $2,756 | $3,027-8.9% | $8,287-66.7% | $1,945+41.7% |